Where is the entrance to Yirendai’s additional loan? You need to meet these application requirements!

Yirendai is a well-known P2P platform in China. Many people have invested and managed finance in Yirendai. It also has many loan platforms. In 2019, many friends discovered that Yirendai has launched a new supplement The loan amount seems to be very high. So where is the entrance for additional loans from Yirendai? Today we will give a brief introduction.

1. Product name Yirendai’s extremely fast mode - additional loan application entrance: From a general point of view, Yirendai’s additional loan is invitation-only. If you receive a text message, you can immediately log in to Yirendai and click this entrance. Generally speaking, if you want to have an additional loan entrance, you must be an old customer of Yirendai. You currently have unpaid debts and the remaining period, then an additional loan will appear. Once the application is successful, you can use part of the amount. Still owe money.

2. Yirendai additional loan application conditions 1. Receive an invitation text message, reminding you that you have obtained the permission for additional loans, just log in to the Yirendai APP to apply; 2. Credit card. Credit card bills must be imported, and the consumption and repayment status of several months will be examined; 3. For other information, mobile phone address books, e-commerce platforms (such as Taobao, JD.com), and mobile phone operators need to be authorized. The approval rate for additional loans is not high, and many people have been rejected. It may be because the credit card bills do not match the requirements, or it may be due to the mobile phone not being optimized. In short, the additional loan limit of Yirendai is very high, usually tens of thousands of yuan. The annual interest rate is about 30. Although it is relatively high, it is more conscientious than the anti-aircraft gun platform. You can make a decision based on your own situation. It’s not clear whether Yirendai can refinance the loan.

Yirendai can refinance the loan. As long as the repayment is completed for one year or half is repaid, the loan can be replenished. When you add another loan or apply for a loan, you must prepare the following materials:

1. Valid identity document;

2. Permanent residence certificate or valid residence certificate, and permanent residence certificate ;

3. Proof of marital status;

4. Bank statements;

5. Proof of income or personal asset status;

6. Credit report;

7. Loan usage plan or statement.

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You cannot apply for additional loans with Yirendai. You must repay the previous loan before you can apply for another loan. And you must meet the following conditions:

1. A natural person between the ages of 18 and 65;

2. The actual age of the borrower plus the loan application period should not exceed 70 years old;

3. Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

4. Have good credit, no bad records, and the purpose of the loan is legal.

It is not very clear about whether Yirendai can make additional loans. Enter: View more content. How much is the interest rate for Yirendai’s additional loans? Just do the math and you’ll know!

If you are an old customer of Yirendai, after applying for a loan, you are likely to be invited to open a product called an additional loan during the repayment process, and the amount can be used to pay off the previous loan. loan. Many friends are concerned about the interest rate of Yirendai additional loan? High or not? Let’s briefly introduce it today.

1. User feedback If you want to know the interest rate of additional loans, it is best to look at the real feedback from netizens. According to feedback from a user, the unpaid principal of Yirendai was put into the additional loan and can be used for repayment. Assuming that the unpaid principal in the previous period is 10,000 yuan and the additional loan is 70,000 yuan, then the total payment of 10,000 yuan is close to 100,000 yuan, of which 10,000 yuan is used to repay the previous debt. The actual loan is 70,000 yuan, and the principal and interest per period are 9,999 yuan. Calculated based on 12 months a year, the sum of principal and interest is about 120,000 yuan, and the total interest is 20,000 yuan. In this way, the annual interest rate is 2/7=30.

2. Is the interest rate of Yirendai additional loan high? What is the concept of annual interest rate of 30? Based on the daily interest rate of 5/10,000, the annual interest rate of Ant Borrowing and Weilidai is close to 20, which is about 18; the annual interest rate of bank credit loans such as CCB Quick Loan and ICBC e-Loan is approximately between 5 and 10; The annual interest rate of a credit card installment loan is about 24; Generally speaking, the annual interest rate of Yirendai's additional loan is 30, which is relatively high among regular loan companies, but it is not considered a loan shark; I believe that there are no 100-percent loans in the financial market now. Although bank loan interest rates are low, the application threshold is high and it is difficult to get a quota; Yirendai is fast in disbursing funds and is very suitable for people who are in urgent need of money, so if money is really tight, there is no problem in borrowing for emergency use.