I. Formal qualifications of institutions
Anyihua is a circulating financial service application software launched by Instant Consumer Finance Co., Ltd. Instant Consumer Finance is a formal consumer financial institution with a consumer finance license approved by China Banking Regulatory Commission. Comfortable flower loan is a formal and legal platform.
Second, the credit information is docked with the central bank.
Consumer finance has been immediately connected to the central bank's credit information. When applying for a loan in Anyihua, the system will query the credit information in the name of loan approval, and the relevant loan and repayment records will also be reflected in the personal credit report. If the loan in Anyihua is not overdue, it will also leave overdue bad information in the personal credit report, causing personal credit damage.
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Third, the source of funds is reliable.
The main lender of Anyihua is Instant Consumer Finance Co., Ltd., and some cooperative banks have clear sources of funds. The platform will provide loans ranging from 5 million to 200,000 according to the credit status of users. In the future, the user's account usage will be comprehensively evaluated from time to time, and then the quota will be adjusted accordingly according to the evaluation results.
Fourth, there is a certain threshold for borrowing.
If you want to get a loan, you can rest assured that not everyone can apply successfully. Only when the following conditions are met can the platform allocate funds:
1, aged between 18 and 55, is a resident of Chinese mainland (excluding Hong Kong, Macao and Taiwan);
2. Have a good credit record, and there is no record of serious overdue repayment in the personal credit report;
3. Have a proper occupation or stable economic income, and have the ability to repay the principal and interest on schedule;
4. Complete the real-name authentication of the account and provide personal information such as ID card, mobile phone number and bank card.
5. The interest charged is reasonable.
The annualized interest rate (simple interest) of Anyihua loan is between 7.2% and 24% (according to the comprehensive qualification of users), and the average daily interest of 1 0,000 yuan is about 0. 1-0.39 yuan. It can be seen that Anyihua's loan interest rate is at a normal level, and it does not charge high interest illegally like those informal online loans.