Wanda Puhui’s collection process

Generally, you will first be persuaded verbally to repay, and if it doesn’t work, you will come to visit to collect payment.

1. Will Wanda Puhui come to collect collections if it is overdue?

1. Collection methods

Nowadays, many debt collectors will use this method to collect debts. If you don’t know the routine, you will be easily fooled. After all, the quality of the people in the collection industry is high. It is not possible to rule out that some debt collectors will use threats, deception, and deception, claiming that they will come to collect debts to achieve the purpose of collecting debts.

2. Official explanation

Wanda Puhui’s customer service stated that if the current bill is overdue, they will not rule out entrusting a third-party agency to assist in repayment matters. Visiting to verify your credit status, by implication, means outsourcing to a third-party collection company, which may come to collect collection.

3. Actual situation

From the feedback of online users, there are basically no examples of real door-to-door collection, because Wanda Puhui mainly provides online loan services and pure credit loan limits Generally not high, the cost of door-to-door collection is too high, so this method is generally not adopted.

2. What will happen if Wanda Puhui is overdue?

1. Telephone collection. Once it is overdue, a staff member will contact you immediately. In order to avoid affecting your personal life, it is recommended to repay the loan as soon as possible.

2. Go to the credit bureau. Wanda Puhui will not only check the credit score, but also leave bad records if it is overdue, which will affect future purchases of houses and card applications.

In short, Wanda Puhui rarely adopts door-to-door collection methods.

1. Wanda Puhui is a loan platform under Wanda Group and is committed to providing loan services. Wanda Puhui is an online loan channel operated by Guangzhou Wanda Puhui Network Co., Ltd. and belongs to Wanda Financial Group. Wanda HP is a small-amount Internet financial platform. It is one of the loan methods used for daily consumption. The general amount is less than 50,000 and the term is short. Banks and lending institutions will provide it, but it requires more qualification certificates. To apply, you must have certain qualifications. Wanda HP is very strict in its customer qualification review and needs to review the customer's personal credit profile. If the customer's credit profile has a lot of bad records, they generally will not be able to successfully apply for a loan.

2. Puhui has been connected to the central bank’s credit reporting system, so it is listed on the credit reporting system.

3. Use your mobile phone number to register an account, prepare to submit ID card, savings card and other certificate information, follow the prompts to complete the information and take photos to upload the certificate information. When taking photos, be sure to take photos of all documents and documents as required to avoid being denied a loan application.

Wanda Loan Application Conditions: Teach you step-by-step how to apply for Wanda Loan

Wanda Loan is a conscience online loan with a very good reputation, with a maximum limit of 200,000 yuan and a minimum of 1,000 yuan. Its biggest advantage is that there are no tricks, low application threshold, low interest rate and fast payment. What are the application conditions for Wanda Loan in 2018? The details are as follows:

1. Wanda Loan is over 22 years old. College students cannot apply. It is suitable for office workers;

2. Fill in the unit information and job position in detail, public institutions, 500 The application success rate is higher for strong, well-known enterprises, state-owned agencies, etc.;

3. ID card, debit card, real-name certified mobile phone number;

4. Personal credit report;

5. Contact person’s phone number.

Wandadai is a popular platform for grabbing quotas. Not everyone can apply, only invited customers can apply.

In fact, the application conditions and application materials for Wanda Loan are very simple. From the application conditions, we can see that the company, credit report, contact number, etc. are all relatively important conditions.

1. The personal credit report must be good, because Wanda Loan will check the credit report, so online loan users generally cannot apply.

2. The registration time also matters. It is recommended to register a Wanda Loan account. Even if there is no limit now, if the limit is suddenly relaxed one day, a text message will be sent to you. After receiving it, you can apply for the limit.

3. In cities, Wanda Loan can be applied for in all regions except Xinjiang, Hong Kong, Macao and Taiwan, but the credit limit will be higher in economically developed areas.

Wanda Group’s financing channels

1. Bank funds Wanda Group relies more heavily on bank funds. From the analysis of Wanda’s development projects, loan types include: land mortgage loans. Development loans.

Asset-backed loans. Capital loan. Off-site use of lease mortgages and bank loans, etc. Wanda Group is in good standing with domestic banks. Deep partnership. The Financial Department of the central bank's financial management department also listed Wanda as a national real estate financial reform pilot enterprise, enjoying the "green loan" channel. A single loan of less than 500 million does not require approval, and the loan can be approved in two or three days. This kind of financial approval and The support is unique in the Chinese real estate industry. Wanda has already separated from Bank of China. China Construction Bank. The Agricultural Bank of China has signed a "head-to-head credit granting" agreement. The so-called "general-to-general credit" means that a commercial bank signs a credit agreement with an enterprise. After the agreement is signed, the enterprise's loans from various branches of the commercial bank will no longer need to go through the existing step-by-step credit approval process. Wanda was the first domestic company to experiment with operating mortgage loans in 2002. In 2003, it engaged in operating mortgage loans with Bank of East Asia and other banks. At that time, Wanda was passive. Domestic banks did not provide loans at that time. By the end of 2005, the four major state-owned banks started this kind of business. Asset assessment as collateral is suitable for the traditional development model. The traditional development model is project development and the source of repayment relies on card method. Unlike a leasehold mortgage, this type of mortgage uses rent as the sole source of repayment and has a loan term of up to five years. Ten years. Rental assets for the project. Assessment of safety. Tenant evaluations are much greater than asset appraisals. Wanda has already provided lease mortgage loans for five or six projects. The model is basically based on the total rental amount. The mortgage loan amount is about 70% of the total rental amount and 70% of the total project investment. 2. Domestic private equity Wanda has always been the darling of private equity. On the one hand, although it has not yet been listed, Wanda’s business model has been praised by the industry; on the other hand, it is because of Wang Jianlin’s huge hidden assets and good government connections. There are currently two known private placements: ① The 24% equity transfer of 9 commercial properties completed with Macquarie in 2005, involving funds of up to 2.3 billion yuan. ② Cooperate with the A-share initial public listing process and complete the equity private placement with CCB International. During the first private placement, neither Wanda nor CCB International disclosed the status of the fund raising. When it came to the second round of private placement, Wanda’s private placement price was as high as 17 yuan per share. “CCB International has made huge returns in just half a year. The second round of private placement has Actively participate again and increase its equity stake by 1%." 3. Overseas financing channels have never given up on China’s real estate market trusts (REITS). The return cycle of commercial real estate investment in the form of self-rental investment is too long and is a typical precipitation capital industry. Therefore, operating commercial real estate through REITS has always been the choice of Wang Jianlin, founder of Wanda. longing for. On the one hand, REITS can resolve the financial risks implied by a single bank loan. On the other hand, it can also allow private capital to share the long-term stable income brought by the development of domestic shopping malls. The large amount of funds raised is more suitable for the long-term development of real estate projects. This It is also a financing model that I have always longed for. In terms of financing channels in the securities market and overseas financing channels, Wanda has not yet achieved substantial breakthroughs in its exploration. After completing a private placement with Macquarie in 2005, the Hong Kong REITS prepared in 2006 ultimately failed, but Wanda never gave up its efforts to realize REITS. 4. Sales receivables support cash flow. The negative result of store sales of first-generation products is that Wanda adjusted its strategy for second-generation products to "only rent but not sell". But this true "rent only, not for sale" only lasted a short time. On Wanda’s third-generation products, the sales ratio has increased significantly. For the sales receivables of urban complexes, Wanda has internally positioned it as a "lifeline" and elevated it to the level of "long-term development strategic support". 5. Trust financing started in 2009. When trust financing started in 2009, the comprehensive cost of domestic trust financing was generally around 12%, which was much higher than Wanda’s previous financing cost of 7%-8%. However, since 2011, Wanda has become significantly involved in trust financing. Among the 11 trust products established, 10 were established in 2011, and only 1 was launched before 2011. Among Wanda's trust products, most are equity trusts, and the trust sizes disclosed by some of the products range from 500 million to 1.5 billion. The total amount raised by 10 trust products is approximately 7.8 billion yuan. Through the trust company's professional management and diversified investment portfolio, Wanda Group has effectively reduced the risks of real estate investment and achieved higher investment returns. 6. Special bank funding channels. The Financial Department of the central bank’s financial management department listed Wanda as a national real estate financial reform pilot enterprise. Among all real estate companies in the country, only two companies have such an honor.

The head offices of three of the four major state-owned banks have granted Wanda huge amounts of credit. ICBC. Bank of China Head Office. The head office of Agricultural Bank of China has signed a bank-enterprise agreement with Wanda. As a national real estate financial reform pilot enterprise, the actual effect of the support provided by the highest authoritative department of financial management is very significant. It can provide loans in different places and is no longer subject to geographical constraints. At the same time, the pilot enterprises also have a special authorized "green channel". A single loan of less than 500 million does not require approval and can be approved in two or three days. This kind of financial approval and support is unique in China's real estate industry. 7. Vigorously develop asset-backed loans and lease-backed loans. Among Wanda’s completed projects, asset-backed loans are a relatively obvious phenomenon. For example, Beijing CBD Wanda and Shijingshan Wanda both use mortgage loans to revitalize funds.

Taken from 123 Library (123tsg.com)

Introduction to the steps for opening credit in "Wanda Dai"

If you want to apply for a loan in Wanda Dai, Credit must be opened first. Credit is designed for non-invited customers, so if you are a non-invited customer, you need to open credit first and then apply for a loan! Below I have brought you detailed activation methods and steps. If you are in need, come and take a look!

Sharing of Wanda Loan’s credit opening process:

Wanda Loan, a mobile APP product launched by Wanda Financial Group. At present, the APP has two products, one is universal cash, with a loan limit of 1,000-20,000 yuan, and the daily loan interest rate is between 0.3-0.4%, and the other is a "home improvement installment" product, with a maximum loan limit of 200,000 yuan, which can be repaid temporarily. Not available for public sale.

Step 1: Download the app

Wandadai is a mobile loan app product. Users can enter "Wandadai" in the mobile app store to search and find the loan. application.

Step 2: Apply for registration

There are two products on Wandadai. Only Magnum cash is currently open to the public, and users can get loan limits.

Step 3: Complete personal information

After registering an account, some people will be eager to click on the universal cash application limit, but unfortunately, the system will tell you that you are temporarily not eligible.

At this time, don’t be discouraged. Adjust the direction, improve your personal information, and get yourself into its whitelist as soon as possible.

First, to bind your ID card, you not only need to fill in your name, ID number, and validity period, but you also need to upload photos of both sides, which is quite strict;

Second, bind a bank card. Bind a bank card you commonly use to facilitate accepting loans and repaying on time;

Third, fill in the contact information. Personal information includes mobile phone number, address, and work. In addition, you also need to fill in the information of at least one contact person.

Step 4: Wait for invitation qualifications

Wanda Loan currently uses a whitelist invitation system to issue loan quotas. It does not mean you are eligible to apply after downloading. Only after receiving the invitation text message can you apply. Open. According to the customer service telephone consultation, the answer was: Wanda Finance has its own big data system, and the screening criteria cannot be made public. At the same time, the topic of how many public beta users are currently raised was also rejected.