How about pleasant loan? Is pleasant loan reliable? Pleasant loan is a P2P online lending platform under CreditEase, and it is also the first Internet finance share in China, NYSE. Simply put, pleasant loan is a formal and reliable company with deep pockets, and it is impossible to run away casually. Everyone can put 1, hearts into this platform. Details of the advantages of Pleasant Loan
What products are there for Pleasant Loan
1. Pleasant Loan Fast Mode In order to compete with the blossoming Internet small loans, Pleasant Loan has a fast mode, and all the APPlication, review, lending and repayment operations are completed on the mobile app. The ultra-fast model provides a loan amount of 1,-1,, and provides a loan period of 12, 24 and 36 months. Although the official claims that it takes 1 minutes to approve and 2 hours to lend money, everyone knows that it is impossible to have this speed for the first application. It takes more than ten minutes to review the application materials, and the old customers who fulfill the contract on time have this speed.
2. Pleasant loan elite model The elite model is a loan for the general working class, with a loan amount of 2,-2, and a loan period of 12, 24, 36 and 48 months, which is not limited to cities. It is very suitable for ordinary "moving bricks" to apply.
3. Pleasant loan provident fund model Considering that provident fund is also an important standard reflecting repayment ability, Pleasant loan follows the provident fund model, which provides a loan amount of 1,-2,, with a loan period of 12, 24, 36 and 48 months. Partners who pay provident fund steadily every month can try this model, and the more they pay, the more satisfied they believe the approval and quota will be.
4. Pleasant loan life insurance mode In addition to the provident fund, purchasing life insurance is also a main criterion to reflect repayment ability. Will Pleasant loan be spared? Of course not. This leads to a life insurance mode, with the same loan amount of 1,-2,, loan term of 12, 24, 36 and 48 months, which is dedicated to serving small partners who have purchased life insurance, whether for themselves or for their sons, as long as it is stable.
according to the product situation, the loan amount of pleasant loans is basically 1, yuan to 2, yuan, and the maximum loan amount can be 2, yuan. But I want to tell you quietly that although the maximum loan amount of pleasant loans is 2, yuan, there are few people who can get this amount. According to feedback from many users, it is generally determined according to their own credit qualifications and repayment ability. Generally, the loan amount of pleasant loans is below 1, yuan, with a monthly income of 2, yuan.
loan conditions of pleasant loans
1. The age of the extreme mode of pleasant loans is between 22 and 55 years old; A valid ID card is required; Need to show the central bank's credit report within two weeks; Taobao account with my real name authentication under my name; I have my real-name authenticated mobile phone number under my name. Only mobile APP applications are supported. Supported cities are: Beijing, Fujian, Guangdong, Hubei, Hunan, Jiangsu, Liaoning, Shandong, Zhejiang, Hebei, Sichuan, Chongqing and Heilongjiang.
2. The elite model of pleasant loan is 22-6 years old; Working continuously in the current unit for 6 months; After-tax punch-in salary exceeds 2 yuan and holds a valid ID card; If the applicant is a civil servant, a teacher, a banker, the management of a large state-owned enterprise, a listed enterprise, an on-the-job worker in a public institution, or a lawyer, accountant, architect, etc., priority will be given to the approval, and the monthly punch card salary will be greater than 4,.
3. The age of the pleasant loan provident fund model is between 22 and 55 years old; Mobile phone number certified by my real name under my name; Produce a personal credit report within two weeks; Have a provident fund account number and pay it continuously. Supported cities are: Beijing, Nanjing, Guangzhou, Hangzhou, Shenzhen, Foshan, Dongguan, Shanghai, Shijiazhuang, Wuxi, Chengdu, Dalian, Tangshan, Handan, Tai 'an, Haikou, Yantai and Xi 'an.
5. The life insurance model of Pleasant Loan is between 22 and 55 years old; Mobile phone number certified by my real name under my name; Produce a personal credit report within two weeks; Have a life insurance policy and pay premiums continuously. Supplementary materials of Pleasant Loan In order to help quickly pass the audit, Pleasant Loan supports supplementary materials, including: household registration information, credit card statement, personal tax payment certificate, social security payment details, housing provident fund payment details, mortgage repayment flow, and work certificate (including personal labor contract, social security provident fund, work permit, work badge of the company or on-the-job certificate stamped with the official seal of the company within two weeks).
Interest on Pleasant Loans Pleasant Loans will tailor the interest on Pleasant Loans to customers according to their different qualifications. The government has not specified this in detail, so it is impossible to draw a conclusion on this point. However, according to the feedback from most users, the interest on Pleasant Loans is not close to the people, but it is still high. You will have to apply in person to know the details. Loan cost standard of pleasant loan: details
Loan cost of pleasant loan In addition to principal and interest, platform service fee, including upfront service fee and installment service fee, needs to be paid when repayment is made in extreme mode of pleasant loan. The upfront service fee will be deducted in one lump sum after the audit and before the loan is released, while the installment service fee will be paid at the time of each repayment. In addition to the rapid mode, other modes include the upfront service fee and installment service fee, and also charge an identity verification fee in 5 yuan, a bank card verification fee in 5 yuan and a loan review fee in 15 yuan. Well-qualified users (that is, users with at least one credit card with a quota of more than 7, and a tax punch-in salary of more than 1,) can be exempted from installment service fees, and they can also enjoy preferential service fees. Top-up and withdrawal standard of pleasant loan: details
Is it easy for pleasant loan to make the next payment? The application materials required for pleasant loan are not complicated, but after the initial review, there will usually be a telephone call back. According to most users' reaction, no matter what mode, pleasant loan will have a telephone call back, which includes not only the conventional personal information, work content, liabilities and loan purposes, but also the problems in the materials. For example, one user was asked why the salary payment time of one month is different from that of other months. You can look at your own information before submitting it, and go over all the questions you think may be asked in your mind now, so as not to be unable to answer when asked. If you can ensure that you have good credit qualifications, repayment ability and a smooth return visit by phone, then pleasant loans should be better.
whether or not to check the credit information of pleasant loan, every loan mode of pleasant loan needs to provide the personal credit report of the central bank within two weeks, so pleasant loan is to check the credit information. The official response is that pleasant loan has not been connected to the central bank's credit information system, so the personal credit report will not show the loan situation of pleasant loan, and there will be no overdue situation. Although the loan is pleasant, we should remind everyone not to overdue easily and take care of their online personal credit. Will the Pleasant Loan be credited when it is overdue? Relevant analysis is made on this: details
1. Computer-based pleasant loan repayment needs to log in to official website and enter the homepage of my account. The repayment date and repayment amount will be displayed in the repayment reminder, and the repayment amount and detailed repayment situation of each period will be displayed in the interface. Click Immediate Repayment to enter the payment page, select the repayment bank, and then click Immediate Payment, which means successful repayment. 2. You need to log in to the Pleasant Loan APP to repay the mobile phone, click I-Repay Now, and enter the bank card number and the reserved mobile phone number of the bank to complete the repayment operation. Tips: Pleasant loan platform does not support credit card repayment, but only supports the following bank debit card services: ICBC, Agricultural Bank of China, China Merchants Bank, China Construction Bank, Bank of China, Xingye, Postal Savings, China Everbright, Guangfa, CITIC, Ping An, Bank of Communications, Huaxia, Pudong Development and Minsheng, and it also does not support bank card-related automatic repayment or repayment by third-party payment platforms such as Alipay and WeChat. I suggest that you still bind your bank card in pleasant loan to facilitate repayment. Repayment Date and Repayment Process of Pleasant Loan: Details
Repayment in advance of Pleasant Loan In advance of Pleasant Loan, besides the interest, installment service fee and the remaining principal, an additional compensation is required. The amount of compensation is an example of the remaining principal. Xiaoming borrowed 1, yuan from Pleasant Loan, and if he repays in advance after repaying the principal and interest of 5, yuan, he will also pay a compensation in addition to the remaining principal of 5, yuan.
Can I apply again if the pleasant loan is rejected? After applying for the loan in the normal mode, I can apply for the second time immediately. The application for the speed mode and the provident fund mode can be applied for a second time after three months of loan refusal.
overdue loans and liquidated damages for pleasant loans. If the loan is overdue unfortunately, you need to pay liquidated damages with a factor of = (monthly repayable principal+monthly repayable interest-actual repayment amount) × liquidated damages coefficient× overdue days. For example, Xiao Ming, who is unlucky enough to borrow a sum of 1, yuan from Yiren Loan for repayment in 12 installments, assumes that his loan interest rate is 1% and the first installment is three days overdue, then he needs to pay (833+833x1%) as penalty. If it is malicious overdue, such as deliberately not answering the phone for many times, or making some remarks that it just doesn't pay back, Yirendai, as a large listed company, is more concerned about the user's willingness to repay than the repayment ability. Although Yirendai will upload this malicious overdue behavior to the online credit information system and the blacklist of China Credit Network, it will affect the future loans on the Internet loan platform. It is suggested that we take the initiative to contact customer service and explain the reasons when it is not yet available, or we should take good care of our personal credit.