which loan platforms are formal?

It is recommended to apply for a loan through a regular bank channel, which can better protect your personal interests and information security. If you must make a loan from the online platform, it is recommended to choose the following:

1. Money-rich flowers: Money-rich flowers are a big brand of credit services, which are purely online, without mortgage, with simple application materials, the fastest approval in 3 seconds, the fastest loan in three minutes, the highest 2,, and the lowest daily interest rate of .2%.

2. Ant borrowing: Ant borrowing is a loan service launched by Alipay, and the application threshold is that the sesame score is above 6. According to different scores, the loan amount that users can apply for ranges from 1,-3, yuan. The longest repayment period of the loan is 12 months, and the monthly interest rate is at least .45% and at most 1.8%, which can be returned with the loan.

If there is demand, I recommend you to spend less than full, that is, the original Baidu Finance, which was split in 218 and realized independent operation. The company background is a financial information technology company established in Chongqing with a registered capital of 3 million yuan, which is licensed to operate normally. Its main business is to provide credit services for rich flowers, with Baidu brand background and technical support.

In addition, Du Xiaoman Company also has financial management, wallet payment, insurance brokerage and other businesses, and accordingly obtained securities and futures licenses, payment business licenses and insurance intermediary licenses, which are complete and open, in line with national supervision.

The loan amount for money-rich flowers ranges from 5 yuan to 2, yuan, with the annualized interest rate starting from 7.2%, and the interest of 1, yuan for one day starting from 2 yuan. The loan period is long, and the loan can be repaid on a daily basis, with daily interest. It is unsecured, pure credit, online application with ID card and bank card in the whole process, with the fastest approval time of 3 seconds and the account receipt time of 1 minute, without any hidden charges.

A small amount of money is spent (in batches of seconds). Click on online measurement

Using Baidu's artificial intelligence and big data risk control technology, personal information is encrypted, monitored and protected in the whole process. Every time a loan is made, it is necessary to verify the verification items such as passwords, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.

3. Micro-loan: Micro-loan is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. It adopts the invitation system of users in Qinguan, with a monthly interest rate of .6%-1.5%, which can be repaid with the loan.

What are the regular lending platforms

Simple and reliable lending platforms? The lending platforms that are easier to pass are:

(1) Zhaolian Good Term Loan: the credit products of Zhaolian Finance are applied online for online review. As long as users have good credit and certain repayment ability, it is easier to apply.

(2) Easy Flower: The application threshold for Easy Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.

(3) Borrowing: As long as there is an application entrance and quota, the success of the next payment can basically be ensured.

(4) Micro-loan: It is necessary to check the credit line in advance, and users with good credit have a high pass rate.

(5)36 IOUs: pure credit loan products. You can apply if your age meets the requirements and your credit information meets the requirements.

I was in need of business turnover myself before. I used several products, and the first one I applied for was a small amount of money (formerly Baidu Finance), which was exactly 1W (the maximum platform support was 2W), and the interest rate was also very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them were put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and there is no charge for the application process and the whole process of receipt.

If you have money to spend, you should pay special attention to it:

1. Withdraw it as soon as possible after you have money to spend the quota, because the quota may become invalid after a long time.

2. It's best to withdraw the cash in full at present, because I read other people's posts that if you withdraw too little, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection in the withdrawal process, and it is safer to withdraw at least 6%.

after the third installment, you can choose to settle it in advance, and it won't hurt us to pay interest as long as it takes. Let's make sure to bring it up first.

1. The conditions that should be paid attention to in bank loans are:

(1) The applicant has reached the age of 18 and has full capacity for civil conduct;

(2) The applicant has good credit;

(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;

(4) Have a valid household registration certificate or a valid residence certificate;

(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest on time and in full.

II. Risks of loans

(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.

(2) When the company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, resulting in the inability to buy or sell the property and the inability to obtain loans.

(3) The agreed interest rate is very low, but there are many other expenses (such as deposit and handling fee).

(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or asks for additional fees.

(5) Many "dirty" companies want your house instead of interest.

third, because of the so-called low risk and high profit, many private mortgage loans are now being handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there are also many routines. Is it true that private loans are not suitable for loans? No, after all, not everyone who needs funds can borrow money from banks. Private loan companies have solved the problem that many enterprises and individuals urgently need money.

which is the safest loan platform?

The most formal and reliable loan platforms are Beiyin Consumer E-point Loan, Lending Flowers, Withdrawing Flowers, Enjoyable Flowers, Doudou Money, Rich Flowers, Ant Lending, Weizhong Bank Micro-loan and JD.COM Gold Bar.

reliable loan platform

1. Beiyin Consumer E-point Loan: This product is launched by Beiyin Consumer Finance Platform, and it is a product for checking credit information. The credit line is between 1 million yuan and 5 thousand yuan, and the loan period is 3-12 months. Remember to repay on time, otherwise personal credit will be affected.

2. Borrowing flowers: a loan product owned by Ctrip Finance, with a credit line of 5-2, yuan and a loan period of 1-12 months. The application conditions are: Chinese mainland residents aged 22-55 years old can submit basic information such as ID cards when applying.

3. Money withdrawal: Zhongyuan consumer finance loan product, with a credit line of 1-2,, a loan period of 1-12 months, and application conditions: 18-55 years old, good credit information and no criminal record.

If there is demand, Xiaoman Finance, which is a subsidiary of Baidu Finance, is recommended. The company is located in industrial and commercial registration, Chongqing, and is licensed to operate formally. It cooperates with licensed financial institutions such as regular banks and consumer finance companies to provide services.

the interest rate is open and transparent, and there is no hidden charge. The lowest daily interest rate starts from .2%, and the annualized interest rate starts from 7.2%. The maximum amount is 2,, and it can be received in 3 minutes at the earliest. The actual interest rate is determined by the system according to the comprehensive situation of users, and the pricing is differentiated.

Small Full-Money Spend (in batches of seconds) Click on the online measurement

In order to provide better services, the loan funds for money spend mainly come from licensed financial institutions such as regular banks, companies and consumer finance companies, such as China Agricultural Bank, Postal Savings Bank, China Everbright Bank, Minsheng Bank, Huaxia Bank, Bohai Bank, Bank of Beijing, Bank of Guangzhou, China Post Consumer Finance and Beiyin Consumer Finance.

4. Enjoy the flowers: unsecured credit loans can be received in 1 minutes at the earliest. The credit line is between 3 million and 2 thousand, the loan period is 6-12 months, and the application conditions require that the user is 22-55 years old and has full capacity for civil conduct. Required information: ID card, mobile phone number and savings card binding.

5. Doudou Money: The user is required to be 2-5 years old, and my real-name registration system mobile phone number has been used for 5 months, with a credit line of 3-5, yuan and a term of 3-24 months.

which companies are on the formal lending platform

Formal online lending platform:

1. Pleasant Loan launched by CreditEase in 212 was listed on the New York Stock Exchange in 215.

2. Renren Loan is a loan platform owned by Xinyoujinfu, which was established in 21 and is one of the earliest online lending platforms in China.

3. China Ping An's platform, lufax, was established in Shanghai in September 211, and was supported by the Shanghai municipal government.

4. Paipai Loan was established in June 27 and listed on the New York Stock Exchange in 217. It is the first online lending platform in China.

expand data

what is online lending? In fact, as the name implies, online lending is online lending. For example, if you borrow money from him on an application, then this is an online loan. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and borrowing money from others, commonly known as online lending, but some online lending is safe. It is also a formal channel. Some online loans are informal channels, just like flower quilts. These are formal channels, and the interest rate is relatively low. So if you borrow money from others online, it is also called online loan, so this kind of online loan is more dangerous. Online lending is also an informal online lending.

borrow money on a regular basis with a purpose. For example, if I use it normally and repay it normally, then I think this online loan is normal, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may cause the destruction of your family and cause your own debt. What about things like this? It also happens from time to time Blindly borrowing money will cause you to owe online loans, which will lead to the ruin of your family. Because some of them are informal, the interest on online loans is extremely high and the profits are rolling. In the end, you can't afford it, directly.

The reason why many people blindly borrow money is precisely because they blindly spend money to compare with others, which leads to so many people going online and generating huge debts, and they can't bear it. But blind consumption, we should not blindly consume and compare with others.

in short, talking like blind consumption is an important reason why I owe a huge amount of online loans. Therefore, we really shouldn't blindly consume, which will have an impact on our future and lead us to owe huge debts. If you can't bear it, it will directly lead to parents' debts.

Let's stop here for the formal introduction of the loan company.