Method of WeChat loan: 1. On the WeChat my page, find the wallet option and click Enter. 2. In the new page, find the loan option of micro-loan and click Enter. 3. On the loan page, click the loan option. 4. Then enter the loan amount and repayment period according to the page prompts, and click Next. 5. In the new page, confirm the receiving bank card, and then click Next. 6. Finally, fill in your own information and click OK to borrow money. The legal basis is Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.
Is WeChat loan reliable?
Nowadays, smart phones have spread to people's lives, and then friends and chat tools such as WeChat and Momo have also appeared in our field of vision. But now, WeChat is not only a tool for chatting, but also has a series of functions such as issuing red envelopes, borrowing money and lending. Even though this mobile application has so many benefits, many cautious people are still worried. Is the WeChat loan true? Is it reliable?
Let's answer your first question first. Is the WeChat loan true?
In fact, there are many products on WeChat. In addition to micro-loans under Tencent's name, products of other credit institutions abound, but they all apply for loans through WeChat official accounts, so WeChat loans are real. However, you need to know the following points.
1. Microfinance is the flagship product of Weizhong Bank, which is also owned by Tencent. It has certain requirements for applicants, and the open list has not been popularized.
2. The rest are platforms based on WeChat official account, allowing users to APPly for loans directly through the menu bar of WeChat official account, or download the app from the menu bar and then apply.
3. Whether the loan on WeChat is true or not, we must first recognize whether the registered subject of WeChat official account is the company to which the product belongs, and avoid being deceived in the mixed WeChat official account.
4. To understand the loan products, if the loan funds are supplemented by retail investors, it is easy to get approval but the funds are in place slowly.
5. Although many WeChat accounts arrive quickly, the interest is relatively high, so the loan should be cautious.
After understanding the authenticity of WeChat loan, let's see if WeChat loan is reliable. Below, I will explain it to you with a real example in life.
Beipiao likes to chat online in quiet and free time to kill time. Later, she got to know Liang Xiao through WeChat, and they chatted through WeChat every day. With the deepening of the conversation, Liang Xiao learned that she secretly wanted to buy a car, but because the full amount was not enough, she wanted to borrow 50,000 yuan to buy it.
Hearing the request for a loan quietly, Liang Xiao said that she can mortgage her bank card and help her get a loan from the bank, but this requires quietly depositing 50,000 yuan into his card first, and then returning the money to her after the loan is successful. I heard that Liang Xiao could help him with a loan. He trusted each other quietly. Without much thought, he remitted 50,000 yuan to each other.
Later, I waited quietly for news from Liang Xiao, but there was no result after a few days. After taking the initiative to contact, I found that the other party has been turned off. After quietly consulting a skeptical person, I learned that the loan method mentioned by Liang Xiao doesn't exist at all. So she quickly went to the police station and reported the police.
This case tells us that when talking to strangers, we must be vigilant, because it is probably money that "shakes". I would like to remind borrowers that it is convenient to apply for a loan through WeChat, but it must be based on finding the right lending institution. Generally speaking, formal lending institutions must lend money first and then charge. Therefore, we must stay away from "lending institutions" that violate this standard.
Can WeChat get a loan? How come?
There are loans on wechat.
Wechat can be used for loans, but not everyone can use it. Wechat itself can provide micro-loan loans.
Or you can follow the official account of another loan platform WeChat on WeChat, find the loan option in the bottom menu bar, jump to the loan page, enter the mobile phone number according to the prompt, and get the verification code operation.
After the WeChat loan application is submitted, it will be reviewed by the loan platform.
Some are automatically audited by the system, and some are manually audited. Whether it can be passed or not is subject to the results displayed on the application page.
How does WeChat borrow money?
Wechat loan method, taking micro-loan as an example:
1. On the WeChat my page, find the wallet option and click Enter.
2. In the new page, find the loan option of micro-loan and click Enter.
3. On the loan page, click the loan option.
4. Then enter the loan amount and repayment period according to the page prompts, and click Next.
5. In the new page, confirm the receiving bank card, and then click Next.
6. Finally, fill in your own information, click to confirm the loan, and the money will be transferred to the bound bank card in about 3 minutes.
Precautions:
1. In the process of WeChat loan, once the property safety issues are involved, you must contact the staff at the first time to solve them.
2. In the process of WeChat loan, we must ensure the security of the account number and password.
3. In the process of using WeChat, don't browse or download some unfamiliar software at will.
How to apply for WeChat loan?
Micro-credit is the official micro-loan borrowing service provided by WeChat. It is safe and fast to borrow money with micro-loans, so how to open WeChat loans? What is the opening process? This tutorial gives you a detailed description of the operation steps. Let's have a look.
First, enter the main interface to apply for a loan.
Second, fill in relevant information.
Generally speaking, in order to review the qualifications of borrowers, lending institutions will require borrowers to fill in personal basic information before completing the loan approval. Take Zhongan Xinye WeChat lightning loan as an example. Zhongan Xinye WeChat lightning loan can realize mortgage-free and fast payment.
After entering the loan amount, Zhongan Xinye will ask the customer to fill in the relevant information, complete the self-evaluation and end the loan application.
Third, complete the loan application.
After the above three steps, generally speaking, the customer's loan application process is over, and the next step is to wait for the approval of the lending institution. After approval, the loan can be made.
Wechat loan application process
1. Enter WeChat Me-Wallet;
2. Find micro-loans to borrow money in the "Tencent Service" column;
3. Tick "√" to indicate agreement, and click the button to obtain the quota;
4. Enter the "payment password" to check the limit;
5. The WeChat loan service was successfully launched, and the micro-loan platform got the "loanable amount" from the evaluation of users' credit records, and the amount everyone got would be different;
6. Click the "Borrow Money" button and enter the "Borrow Money Amount" (not less than 500 yuan);
7. "Repayment Periods" is selected according to the user's situation, and "Repayment Details" can be viewed;
8. Select "Receive Bank Card" or "View Supporting Banks", confirm the information and click "Next";
9. Finally, "Add identity information" and click "Confirm to borrow money".
The introduction of Tencent Microfinance and Tencent Microfinance ends here. I wonder if you found the information you need from it?