Youwodai is not owned by CITIC Bank, and it has not yet reached relevant cooperation with CITIC Bank. In fact, Youwodai supports credit cards from many banks, such as Bank of China, China Construction Bank, China Merchants Bank, etc. So when repaying the loan, which bank card did you reserve? If this bank card happens to have business cooperation with Youwodai, you can use this bank card to repay the loan.

Youwodai is a financial technology platform that was officially launched in June 2011. The mobile APP was launched in 2014. Niwodai is operated by Shanghai Niwodai Internet Financial Information Service Co., Ltd., with a registered capital of 550 million yuan, aiming to provide users with efficient, transparent, safe and convenient Internet financial services. Youwodai insists on small-amount decentralized loan business, and its services have covered more than 100 cities and regions in nearly 30 provinces and cities across the country. The loans matched by the platform are mainly consumer loans such as rental and renovation, electronics and digital, and tourism. After CreditEase announced its cooperation with China CITIC Bank, Youwodai and China Merchants Bank also started a third-party payment plus bank custody model of transaction funds. Through this model, in the future, the P2P platform's own funds and transaction funds will be completely isolated. a trend.

: Loan precautions

1. Loan interest rate. The loan interest rate, like the fixed amount, is also determined based on individual circumstances, but generally has a fixed range. For example, the state stipulates that the annual interest rate shall not exceed 36%, and interest rates exceeding 36% are not protected by law. Of course, interest rates vary based on different lending institutions and loan products. Generally speaking, the interest rate of credit loans is higher than the interest rate of mortgage loans. The annual interest rate of banks is less than 10%, the annual interest rate of small loan institutions is higher than 10%, and the interest rate of online loans is higher. The highest should be a cash loan. In terms of loan interest rates, a clear distinction must be made: Institutions often use daily interest rates, monthly interest rates, annual interest rates, annual interest rates, especially annual interest rates and annual interest rates to confuse lenders. Here's a special explanation: the annual interest rate is measured in years. For example, the annual interest rate of a one-year time deposit is 1.75%, and the annual interest rate of a two-year time deposit is 2.25%.

2. Loan term. The loan term is primarily determined by the product. For example, the maximum term of a housing provident fund loan is 30 years, so you cannot apply for 35 years. Of course, within the scope of meeting the product requirements, you can decide the application time, such as 1 year, 2 years, 10 years, etc. For a fixed-amount loan, the longer the loan time, the lower the corresponding repayment amount in each period, and the greater the relative pressure. Small. In the choice of loan term, there is a basic principle that we should control the scope of the economy. In order to repay their mortgage and car loans in advance, some friends will shorten the repayment period, putting too much pressure on themselves. Therefore, we should choose the right loan term for ourselves instead of blindly obeying others. If you really have difficulty repaying your loan, you can also call the appropriate agency to apply for an extension of the loan term.