A good platform won't have so many complaints. Please borrow money from a regular platform, not just looking for it. At that time, you will still suffer.
Yida Loan is a credit card loan product launched by Huaxia Bank, which does not need mortgage and guarantee. Usually, borrowers can apply if they have a stable job and income, can provide qualified bank flow and have good credit. This article will introduce the interest rate of the loan, how to repay the loan in advance and how to charge for it.
Yida is a credit card loan. Like credit card installment, there is no loan interest, but a monthly management fee is charged. The monthly management fee of Yidawei is 0.75% of the total loan. It should be noted that although the loan principal is repaid in installments every month, the management fee is calculated not according to the remaining loan amount, but according to the original loan amount, so the actual annualized interest rate of Yidajin's loan is higher than 0.75%* 12.
：
Huaxia Bank's Yida loan can be repaid in advance, but there is a penalty for prepayment. The collection standard of liquidated damages for Yidajin is 3% of the remaining principal, so the liquidated damages are likely to be higher than the remaining term management fee. Borrowers need to consider whether it is cost-effective to prepay.
At present, bank credit loans, credit card loans and loan company credit loans do not need mortgage and guarantee. If you have a credit loan demand, you can call the local lender directly and choose the loan product that meets your requirements.
I found that Huaxia Yidajin didn't get a loan from there, mainly because when you applied, Huaxia Bank would ask you to apply for a titanium or platinum credit card with the same amount as Yidajin. You can't swipe this card, you can only withdraw it. There is no handling fee and inter-bank handling fee at any bank ATM anywhere in the country, only interest. The interest-free handling fee is 0.75% per month (the annualized interest rate may be higher).