First, Dingdai now has a name called Xiaoding Finance, which is actually a company.
Just like the previous Easy Loan online loan is now called Mo Long Finance. They all belong to intermediary companies, and many customers may pay attention to interest. In fact, there is no such thing as interest in intermediary companies, because interest is decided by management.
For a top intermediary company, the interest is not determined by them, but by the employers who cooperate behind it, including banks and small loan companies. Their main profit is to collect fees, which involves a problem. The level of fees, including all loan intermediary companies in Chengdu, will have various routines in terms of fees. Some companies say that the upfront payment is very low, and when the next payment is really made, they will add fees for various reasons.
Second, the loan channel.
1. Traditional loans (also called offline loans) refer to the application for loans submitted through banks in real life. ).
2. Online loan (also called online loan, which refers to the application submitted by online loan) is a P2P financial loan.
The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.
3. Mobile loan (refers to submitting a loan application through the mobile loan app, which is flexible and convenient anytime and anywhere).
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.