Shaanxi Yin Chang Consumer Finance Co., Ltd. has two online loan apps: Changxiang Loan app and Changhua APP.
1. Enjoy the loan app: a pure credit unsecured personal consumption credit product issued to individual customers with stable income or fixed residence.
1, easy to use.
2. The maximum amount is 200,000.
3. The loan term is long.
2. Blooming app: a revolving credit product provided to qualified individual customers. Once the applicant applies, it can be recycled within the validity period of the credit line.
1. Circular line, if you borrow it, you can return it.
2. Online application and quick approval.
Extended data:
Shaanxi Yin Chang Consumer Finance Co., Ltd. (hereinafter referred to as "Yin Chang Consumer Finance") is a consumer finance company approved by China Banking Regulatory Commission.
Holding by Chang 'an Bank Co., Ltd., a national non-bank financial institution jointly initiated by Huitong Xincheng Leasing Co., Ltd. and Beijing Yide Sean Investment Co., Ltd., with a registered capital of 360 million yuan and headquartered in Xi 'an.
The company's business mainly relies on shareholder resources, commercial retail institutions, self-operated outlets and the Internet, giving play to the characteristics of "small single amount, fast approval speed and flexible service mode", and providing consumer finance needs for low-and middle-income customers with stable income by providing flexible credit products and entering the market quickly, with the maximum loan amount not exceeding 200,000 yuan.
Which online loan company is Shaanxi Yin Chang Consumer Finance?
Shaanxi Yin Chang Consumer Finance Co., Ltd. is a non-bank financial institution approved by China Banking Regulatory Commission. It is also the first licensed consumer finance company in Northwest China, with formal lending qualification. Which online loan is Shaanxi Yin Chang Consumer Finance Co., Ltd.? Next, let's take a closer look.
Which online loan is Shaanxi Yin Chang Consumer Finance Co., Ltd.?
The online loan products of Shaanxi Yin Chang Consumer Finance Co., Ltd. mainly include two types: Chang Xiang Loan and Chang Hua Hua, as follows:
First, enjoy the loan.
1, mainly for 19-55-year-old customers with provident fund, mortgage house and high education. Applicants must not have bad credit records.
2. The maximum credit line of the product shall not exceed 200,000 yuan, and the actual credit line shall be determined according to the relevant information submitted by the applicant and the credit information of the People's Bank of China.
3. The loan term is divided into three options: 12, 24, and 36. It supports prepayment, with daily interest and no extra handling fee.
4. The annual interest rate range of the loan is probably between the conversion date interest rates.
Second, it blooms smoothly.
Mainland citizens aged 1 and 19-55 who have stable jobs and income sources can apply, and applicants are required to have a good credit record.
2. The maximum credit line of the product shall not exceed 50,000 yuan. During the validity period of the credit line, multiple loans can be made. After repayment, the credit line is restored and can be recycled.
3. The loan term is divided into three periods, six periods, nine periods and 12 periods. The longest loan term is 12 months. If the loan is settled in advance, interest will be calculated on a daily basis, and no additional handling fee will be charged.
4. The annual interest rate range of the loan is 65,438+08%-24%, which is roughly between the daily interest rates, and the interest rate range is protected by law.
Note that when applying for online loan of Yin Chang consumer finance, you need to obtain the applicant's credit authorization. After successful application, the loan information and repayment situation will be truthfully reported to the Credit Information Center of the People's Bank of China, so you must borrow rationally and repay on time.
The above is about "which online loan is Shaanxi Yin Chang Consumer Finance Co., Ltd.", hoping to help you.
Which bank does Changyou Loan belong to?
Enjoy the loan is launched by Zhangjiakou Bank. This product is mainly aimed at personal credit loan products with large consumption, and the use of funds includes decoration, marriage, travel, bonus points and so on. Moreover, there are restrictions on the occupations to be applied for, and they must be excellent occupations. For example, employees of public institutions, state-owned enterprises and large private enterprises can apply.
Moreover, the materials to be submitted for the loan need to have a loan use contract, which means that without this contract, it is impossible to successfully apply for a loan.
What if Yin Chang's consumer finance can't enjoy loans?
Changyou Loan is a consumer loan product of Yin Chang Consumer Finance. Some friends can't repay after applying for a loan. I don't know what to do if Changyou can't get a loan. What will happen? Let's get to know it together!
1. According to Article 108 of the General Principles of Civil Law of People's Republic of China (PRC). "The debt should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court. " Borrowers are advised to collect money as soon as possible to fulfill their repayment obligations. If you really can't pay off, you can negotiate with Yin Chang Consumer Finance to waive interest, and only pay back the principal or installment. Consumer finance in Yin Chang will bring the following consequences.
2. Overdue penalty interest. If the loan is overdue, Yin Chang Consumer Finance will charge penalty interest and liquidated damages according to the contract. The longer it is delayed, the more it will be owed.
3. Facing the assembly. The borrower will be urged by Yin Chang Consumer Finance and contacted with his family or work unit, and his normal life and work order will be disturbed to some extent.
4. Produce bad credit. If the loan is not repaid, the corresponding overdue repayment records will be uploaded to the credit database, which will adversely affect personal credit. Being included in the list of dishonesty will also affect individuals' high consumption, taking transportation and their children going to school.
5. Can't handle credit business. Overdue loans will affect the handling of consumer finance and credit business in Yin Chang in the future, and the credit business of other financial institutions will also be affected after being uploaded to the credit database.
6. Being sued by Yin Chang Consumer Finance. If the borrower continues to fail to pay off the debt, Yin Chang Consumer Finance will sue the borrower to enforce the property under the name of the borrower with repayment ability, and the proceeds will be used to pay off the debt.
The above is the answer to "What should I do if Yin Chang's consumer finance can't enjoy the loan?" It is suggested that the borrower repay the loan on time, and the long-term overdue will have a greater impact.