Basically, the client 18 is over one year old and has full capacity for civil conduct; Have a stable income and the ability to repay the loan principal and interest on time; Personal credit is well maintained, and loans can be approved smoothly without any accident. Customers only need to provide their ID cards and bank cards when applying.
Of course, the final recognition still depends on the comprehensive evaluation results of the system.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
If there is a capital turnover demand, I recommend that you spend less than full, that is, the original Baidu Finance completed the split on 20 18 and realized independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.
Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Basic loan terms
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower.
The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
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