With the continuous development of today's society, many young people like to spend in advance, so there are many loan platforms, and Shanghai and Shenzhen direct loans are one of them. Some netizens asked: Can Shanghai and Shenzhen direct loans finally get money? It is understood that Shanghai and Shenzhen direct loans belong to a formal platform, so Shanghai and Shenzhen direct loans can be loaned.

First, direct loan in Shanghai and Shenzhen is a formal loan platform.

As far as the direct loan of Shen Hu Bank is concerned, it is a formal intermediary, not a loan form like a bank. Therefore, it should be noted that you must see your purpose clearly before lending. If we need money urgently and can guarantee to pay off the loan as soon as possible after the completion, we can choose this lending institution. If you want a loan with the lowest interest rate, you can go to a regular bank for a loan, which can better protect our legitimate rights and interests. As we all know, many banks will outsource their business to further develop their loan business. Shanghai Shanghai and Shenzhen Bank is a very typical example. It is also legal and compliant for patients to use this model to attract customers to generate income for their banks. However, it should be noted that the patient's formal loan interest is higher than the patient's bank.

Second, how to choose the loan time

How to choose the most appropriate loan amount and time is entirely up to each property buyer to decide according to his actual income and repayment ability. If the loan amount is large and the time is long, you have to pay more interest. On the contrary, less. At present, there are only two interest rates for loans, and the annual interest rate for the next five years (including five years) is 4. 77%, the annual interest rate for more than 5 years is 5. 04%。 If the buyer has no extra savings and wants to relieve the pressure of monthly payment in the future, he can choose to pay less down payment to extend the loan life, but under normal circumstances, the down payment cannot be less than 20% and the life cannot exceed 20 years, except.

As can be seen from the above, direct loans in Shanghai and Shenzhen can be used to borrow money. The direct loan in Shanghai and Shenzhen is a formal platform. It is suggested that if you use the loan platform to borrow money, you must repay it within the repayment period of the platform, so as not to affect your personal credit.