Ling Ling Hua

The small loan platform under China Merchants Union Consumer Finance mainly focuses on student applications. The loan amount is generally within 10,000 yuan, and the number of periods is 1, 3, There are multiple options including 6 phases. Office workers should be between 23 and 40 years old and have a full-time college degree or above that can be checked on Xuexin.com.

Weilidai

WeChat is also a good loan software. You can apply for a loan through the Weilidai function. This platform can provide you with loans of no more than 300,000 yuan, with a term of use within 20 months, and a daily interest rate of around 0.04%, which supports borrowing and repaying at any time.

360 IOU

360 IOU is a software that can provide you with pure credit loans, the limit is within 200,000 yuan, the period of use is 1-12 months, and the monthly interest rate can be low to 0.027%. As a platform owned by Qihoo 360, it should be relatively formal in terms of security.

Malaysia Finance

Malaysia Finance is a loan software with a consumer finance license, so there shouldn’t be much of a problem with its security. This software can provide you with a variety of loan models, including immediate loans, immediate installments, etc., which can meet the loan needs of different groups of people.

Baoyin Finance

Baoyin Finance is also a relatively good loan software, because it not only has a banking background, but also has a consumer finance license. Baoyin Finance is a software that specializes in repaying credit cards. The limit is within 50,000 yuan and the period of use is within 12 months.

Extended information:

Loan means that banks, credit unions and other institutions lend money to units or individuals who use the money, generally stipulating interest and repayment dates.

Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest the concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

Loan channels

1. Traditional loans (also called offline loans, which refers to submitting loan applications in real life through banks, etc.)

2. Online Loans (also called online loans, which refers to submitting loan applications online) are P2P financial loans.

P2P was established for the purpose of financing between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts, and runaways. Internet finance does not have a fixed investment group, which can effectively solve the security of platform operations and protect the interests of investors.

3. Mobile loan (refers to submitting loan applications through mobile loan APP, flexible and convenient anytime, anywhere)

Basic loan regulations

Loan target: over 10 years old Chinese citizens between the ages of 18 and 60 with full capacity for civil conduct.

Loan limit: After the borrower provides a pledge, mortgage, third-party guarantee approved by China Construction Bank or has certain credit qualifications, the bank will determine the borrower's corresponding pledge limit, mortgage limit, guarantee limit or credit limit. The pledge amount shall not exceed 90% of the face value of the pledge rights certificate provided by the borrower; the mortgage amount shall not exceed 70% of the assessed value of the collateral; the credit limit and guarantee limit shall be determined according to the borrower's credit rating.

Guarantee method: in the form of mortgage, pledge, third-party guarantee or credit approved by China Construction Bank.

Required application materials:

(1) The written document required by the borrower to obtain the guarantee amount from the guarantor agreeing to provide guarantee.

(2) Credibility certification materials of the guarantor.

(3) Evaluation report of the collateral issued by a socially recognized evaluation department.

(4) Other documents and information specified by China Construction Bank.

(5) Original and copy of the borrower’s valid identity document.

(6) Proof of local permanent residence or valid residence status.

(7) The borrower shall present the income certificate issued by the employer, the borrower’s tax bill and insurance policy.

(8) The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount. The owner and property owner and the written document that someone agrees to the pledge or mortgage.

(9) The borrower also needs to provide the payment receipt for the water and electricity property at the company's site and the payment receipt for the water and electricity property at the personal address.