Pufa Global Fund is a general loan. A simple and common understanding is that borrowing money requires interest. The "Lending (Global Fund)" business of Shanghai Pudong Development Bank is a short-term cash turnover service provided by Shanghai Pudong Development Bank for eligible credit card holders. The cardholder must repay the principal and interest in one lump sum on the agreed repayment date and pay a one-time handling fee.
1. Pufa Universal Fund is a credit loan product, which is an unsecured loan product specifically for people with financial difficulties. In fact, Shanghai Pudong Development Bank has not only launched similar loan products, such as the financial wisdom fund of Guangfa Bank and the spiritual fund of Ping An Bank, but also similar loan products.
2. The fund periods are 3, 6, 12, 24 and 36. The interest corresponding to different installments is different. 2.97% in the third phase and 2.97% in the sixth phase. Of which 12 is 9.57%, 24 is 18.98% and 36 is 29.35%. The longer the number of periods, the higher the corresponding rate. Assuming that the use limit of the universal fund is 80,000 yuan and the loan period is 6 months, the total handling fee payable is 465,438+084 yuan at the rate of 5.23%.
The limit of the general fund is calculated according to the use of credit cards. If you use it well, you can get a loan of up to 250 thousand yuan. If the qualifications are ordinary, the amount of the universal fund is only tens of thousands of yuan. Moreover, the universal gold has a wide range of uses, and it is believed that it can solve most of the shortage of funds. Moreover, the interest rate of Shanghai Pudong Development Bank's loan products is not very high. Of course, the interest rate may be higher than some credit loan products of banks, but it is still within the acceptable range.