The full name of Zhongtengxin is Zhongtengxin Financial Information Service (Shanghai) Co., Ltd., which is a consumer finance company. At present, Zhongtengxin has launched loan products such as salary loan, credit excellent loan, Italian excellent loan and policy loan according to the loan demand of different customer groups. So what should the borrower do if he wants to apply for a loan in Zhongtengxin?
If the borrower wants to apply for a loan in Zhongtengxin, he needs to apply for a loan in Zhongtengxin official website first, fill in the information and submit it as required. After the application is submitted, the staff of Zhongtengxin will contact the borrower to verify the information and assist the borrower to apply for a loan. After the borrower submits the information as required, it usually takes 3-5 working days to approve the loan, and the contract can be signed after approval.
At present, there are two ways for Zhongtengxin to sign a loan contract, which can be divided into online signing and face signing according to different borrowers and loan products. Then, if the borrower is an online signing customer, the loan will be completed within 3 working days after the online signing contract is signed.
Did Zhong Tengxin take credit at the meeting?
There are two kinds of credit information for general loans. The first is that after borrowing, all loan information will directly enter the credit information system; The second is that after the borrower loans overdue, the institution can report the loans overdue records to the credit information system.
Zhongtengxin said that once the borrower is overdue, it will charge the borrower an overdue fee according to the contract, and overdue repayment will have an impact on the borrower's credit record. From this point of view, if the borrower is overdue, Zhongtengxin is likely to report the borrower's overdue record to a credit information system.
Once the borrower's credit history is overdue, he may be directly rejected when applying for other loans in the later period. In addition, those with serious circumstances may directly affect their own traffic.
Zhongtengxin application conditions
If ordinary borrowers want to apply for loans from Zhongtengxin, they need to meet the loan conditions of Zhongtengxin before they can apply. If the user does not meet the requirements, Zhongtengxin will be directly rejected when applying for a loan. Then, in order to apply for Zhongtengxin loan, the borrower must meet the following conditions:
1. The borrower must be a legal citizen of China who has reached the age of 22-60;
2. The borrower needs to have a good credit record;
3. The borrower needs to have a stable job and income;
4. The borrower's life is that the city needs Zhongtengxin business outlets;
Generally, you can apply for a loan from Zhongtengxin if you meet the above conditions. In addition, different products of Zhongtengxin will have different additional conditions, and borrowers need to follow the final requirements of Zhongtengxin.