First, consumer finance in Yin Chang.
Age: 18 to 55 years old (forbidden in Fujian)
Amount: 600,000-200,000, and interest: 0. 94- 1. 14, there is no penalty for prepayment. First-hand mortgage house: (personal housing mortgage loan, personal housing provident fund mortgage loan, personal commercial housing mortgage loan) has been repaid for half a year. Provident fund: the base of more than 3,000 yuan has been paid continuously for 8 months (it is not allowed to cut off the payment within 8 months, and annual payment is not accepted).
2. Debt identification: credit card 10%+ monthly loan payment 10 guaranteed income identification: monthly payment amount x7. 5 times the provident fund base x3 times inquiry: less than 6 times (credit card+loan approval) within 2 months overdue: no 2 times within 6 months, no 3 times within a year, no 3 times within a year credit card: the utilization rate of 4 to 6 credit cards is less than 90%, and the utilization rate of more than 6 cards is less than 80%: download AAp- of Yin Chang Consumer Finance-scan the exclusive QR code of the manager-record the system quota (provident fund customers find a counterpart to enter the provident fund)-electricity consumption audit.
Third, matters needing attention:
1, the academic qualifications should be filled in junior college;
2. Contact person: the first contact person of three contacts needs to be filled in. Married persons must fill in their spouses (unmarried persons should fill in their immediate family members: parents, brothers and sisters). The first contact must understand the loan; Second, third, colleagues and friends (these will verify the relationship with the lender, second and third do not need to know the loan);
3. The company has a landline to fill in the landline, but there is no landline to fill in the colleague's mobile phone;
4. The full name of the company must be filled in, and the mobile phone number must be filled in correctly. If submitted, it cannot be changed. If it is wrong, it will be directly rejected and cannot be seconded;
5. If you are buying a house, you must check whether there is a house or not.
6. Customers must sign in block letters when issuing credit lines and withdrawing cash by tying cards.
7, the public security law can't do it.