It's a regular platform.

A wallet is a mobile payment client launched by Ping An Pay, a subsidiary of China Ping An. A wallet App is divided into five major financial appreciation and consumption scenarios, which help users manage funds, accounts and points for payment services, and create an intelligent all-round wallet by providing users with financial management and consumer payment services.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated monetary and monetary funds out in the form of loans, which can meet the demand for funds and promote economic development. At the same time, banks can also use their own accumulation.

Basic loan terms

Loan target: middle school students with full capacity for civil conduct aged 18 to 60.

Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower.

The pledge amount shall not exceed 70% of the collateral appraisal value of the face value of the pledge right certificate provided by the borrower; Determine the root level of credit line and guarantee line.

Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.

Application materials to be provided:

(1) A written document in which the guarantor agrees to the guarantee provided by the borrower.

(2) the guarantor's credit certification materials.

(3) issued by the evaluation department recognized by the society.

(4) Other provisions of China Construction Bank.

(5) The borrower's valid ID card.

(6) local permanent residence or clear materials.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge right, the list of collateral required by the borrower to obtain the amount of pledge and mortgage, and the written document that someone agrees to pledge and mortgage.

(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.

Second, what is a formal lending platform?

According to the level of qualification and interest rate, it can be roughly divided into the following categories:

First, the five major banks and the head joint-stock banks

Many people's stereotype of banks is loans, that is, they have nothing for their own use except credit cards. In fact, this state has become a thing of the past, and now banks have comprehensively enriched their product lines. So at present, no matter the five major banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications, or the major joint-stock banks such as China Merchants Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, Ping An Bank and Guangfa Bank, they all have their own apps, and they can already apply for credit loans in their own apps. However, after all, it is the head office, and the risk control requirements are relatively high, so the entry threshold is also relatively high.

Second, city commercial banks and private banks.

In addition to some head offices, many local banks now attach great importance to online lending. At the same time, due to the technical investment of these banks in online lending for many years, their online technology is also very developed. Well-known, such as some local city commercial banks, such as Bank of Beijing and Bank of Shanghai, and many private banks attach great importance to this business. Private banks are familiar with microfinance and online banking. This part of the online lending platform does not have such a high entry threshold requirement, but the interest rate is not as high as that of the people, and it can also be used as a good choice.

Third, the online lending platform of well-known brands.

If the threshold of the above banking department cannot be reached, then you can only choose some non-bank online lending platforms. However, as far as the pure online lending platform is concerned, there are many pits, and you need to be more cautious when choosing. It is best to choose an online lending platform under a well-known brand. Relatively speaking, the well-known brands in this respect are Bai Jie (under the Ant Group), Du Xiaoman (under Baidu) and JD.COM Gold Bar (under JD.COM). COM)。 Although these are not banking financial institutions, after all, their group brands are very good, so they are also relatively reliable brands.

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There are many online lending platforms, but what platform to choose depends on your credit level. Online loans that can be applied for according to credit can be selected from five major banks, joint-stock banks, city commercial banks, private banks and small loan platforms under well-known brands.

Third, what is the platform for good loans?

First of all, I suggest you apply for a loan at the bank. Some small loan intermediaries on the Internet are incredible and not very good. You can choose a bank according to the amount of loan you want, which is relatively stable and convenient, mainly reliable.

Matters needing attention in loan:

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.