1. Is Pufa Dream Loan the same as Universal Money?
Card friends often ask, these two products are credit loan products of Shanghai Pudong Development Bank, which are almost the same in essence and should be the same.
If you think so, it is obviously wrong. If they are the same, why does Shanghai Pudong Development Bank want two identical products? Why bother naming them separately? Don't even think about it. Besides, the customer's eyes are discerning, and it's strange to be fooled.
Second, the difference between Pufa Dream Loan and Universal Gold:
1, Name: Obviously, their names are different, one is Dream Loan and the other is Universal Gold, haha! !
2. Applicant:
1 Dream Loan: This product serves non-PUFA credit card holders, which means that the business can only be handled without PUFA credit card.
20,000 yuan: This product serves the Pudong Development Credit Card holders, which means that you can only handle this business if you have a Pudong Development Credit Card.
3. Application amount
1 dream loan: the maximum credit line can reach 300,000 yuan;
20,000 yuan: within the available withdrawal amount, the specific amount is subject to the application page.
4. Interest:
1 dream loan: there is no interest, but there is a handling fee. The specific cost depends on the number of periods, and the installment rate of each period is between 3.42% and 23.40%; One-time payment is between 0.42% and 22.40%;
20,000 yuan: the daily handling fee of 0.05% of the principal is calculated every day until the agreed repayment date; One-time handling fee per application 10 yuan.
5. Advance payment:
1 dream loan: you can choose to repay in advance, and there is no handling fee for not repaying;
20,000 yuan: you can choose to prepay, and the prepayment fee will be charged accordingly;
6. Preferential activities:
1 dream loan: up to 20 16, 18, those who successfully apply at one time and pay the handling fee can also get a preferential interest rate of 1%, with a one-year loan interest of 5.84%.
20,000 yuan: 2065,438+June 30, 2006, the daily fee for successful application of universal fund is 20%, that is, the daily handling fee of 4 yuan will be charged for every 10000 yuan after discount.
Summary: According to the differences mentioned above, we can see that there are obvious differences between Pufa Dream Loan and Universal Fund, so I suggest you consider which product to choose before applying.