Microfinance is compliant. It is a micro-credit loan, and its subordinate institution is Weizhong Bank, which is developed by Tencent Technology. Not everyone can use small loans. Tencent officially allows customers to use it through the invitation system. Invited users can apply for loans in WeChat wallet or QQ wallet. At present, there is no official APP for micro-loans. If you download the micro-loan app, it must be fake.
How to borrow money with micro-loans? First, open the latest version of WeChat, log in to a loanable WeChat account, click Me in the lower right corner, and select a wallet on my page. Then click on micro-loan to borrow money in Tencent service. Some people may turn this function off and turn it on in service management. Then you can see the loan amount. Everyone's payment point is different, and the loan amount is different. Click on the loan and enter it into the bank for approval. Borrowing 1 0,000 a day from a microfinance requires 0.5 yuan, with an annual interest rate of 18.25%, which means borrowing 1 0,000 a year and paying back 1 0,825.
My opinion on borrowing money by micro-loans. Everyone should measure their repayment ability and don't borrow money from all platforms. Some platforms will reach personal credit records, which will leave a stain after the deadline. If you want a loan in the future, you can't apply. Small loans can solve a temporary need, but don't be addicted to borrowing money, and don't rob Peter to pay Paul.
Micro-credit loan was cheated. Some scammers will post micro-loan lending apps on the website, and users don't understand the real situation and download fake apps. I applied for a loan in it, but after the quota came down, I found that I couldn't get the loan. I need to open a member to withdraw money. So I paid the money in advance according to the steps. At this time, I was cheated. Not to mention that there is no APP for micro-loans. Even if there is an APP, users will not be required to pay before borrowing money. Users have no money, and lending institutions also require payment. This is not contrary to common sense.
Second, is micro-loan an online loan?
Microfinance is a formal online lending platform. Unlike most ordinary online lending platforms, micro-lending belongs to the lending products of banks.
Belonging to private loans, in line with state regulations.
Micro-loan is a product of Weizhong Bank, owned by Tencent boss Ma. QQ was launched on May 15, 2065438, and landed on WeChat on September 14 of the same year. Up to now, there are more than 30 million micro-credit users and more than 5 million loans, with an average loan amount of about 8,000 yuan and accumulated loans of more than 40 billion yuan. Like an ant flower. Excuse me. It is a product that Tencent uses to compete with similar products of Alibaba.
Microfinance is divided into two parts:
One is personal credit (that is, how much credit to give you).
The other is the expenditure of credit (that is, lending within this limit).
In the first step, Weizhong Bank does not need to inquire about credit information. Generally, the credit line is calculated through the social data of users from Tencent. Social data content is very large, such as your WeChat friends, places you often go, types of websites you like and even the degree of online games you play (yes, that's it). At this time, Weizhong Bank does not need credit information as the basis for calculating the credit line, because the amount of data provided by credit information is really too small.
Small loans are issued by "Weizhong Bank contributes 20% and cooperative banks contribute 80%". Cooperative commercial banks need credit data according to the traditional credit demand, and customers naturally click authorization when applying. Through "electronic signature", click "Agree" after seeing the terms authorizing credit inquiry, which meets the requirements of the People's Bank of China on credit management and is legal and compliant.
As an online banking loan product launched by Weizhong Bank, "micro-loan" has the following characteristics: 1: security. Most personal loans provided by traditional financial institutions require borrowers to provide mortgages and other guarantees. It is difficult for individual users who cannot provide guarantee or have no fixed assets under their names to obtain loans. ""does not need mortgage and guarantee, nor does it need to submit any paper materials, which can better meet the needs of users with good credit. 2: 724 hours service, the fastest time to complete the loan 1 minute. Relying on strict risk control rules and perfect technical support system, "micro-loan" provides 724-hour online service, which is convenient and efficient. The whole process is completed on the mobile phone, and the loan can be received in 40 seconds at the earliest. 3. Borrow it at any time and return it at any time. There is no service charge in advance. Most traditional financial institutions require users to repay on the repayment date. If the user wants to repay the loan in advance, he needs to apply and pay the handling fee. In addition to the traditional default repayment, "micro-loan" also supports users to settle loans at any time without charging any other extra fees.
3. Which interest rate is higher, micro-loan 0.05% or credit card 0.75%?
Hello, at present, the interest of micro-loans is calculated on a daily basis, with a daily interest rate of 20,000-50,000, which is equivalent to 1 10,000 and a daily interest rate of 2-5 yuan. At present, the credit line of micro-credit to users is between 5 million and 300 thousand, which is different according to the individual's comprehensive situation. A single loan can be 500 yuan-40,000 yuan. Need to choose the repayment period, at least 5 months, the longest 20 months, support early repayment.
This answer is provided by Youhuahua. Baidu Youhuahua has been upgraded to Youhuahua (find the avatar Youhuahua app), which is very reliable, without any pre-loan fees and transparent interest rates. Qianhua is a credit service brand under Xiaoman Finance (formerly Baidu Finance). Big brands with money to spend are safe and reliable, and reliable interest rates are low. The minimum daily interest rate for all-easy loans starts from 0.02%, and the minimum daily interest rate for loans of 1 1,000 yuan is 2 yuan. The interest rate is transparent and there is no pre-loan fee. The fastest approval is 30 seconds, the fastest loan is 3 minutes, and early repayment is supported.
There are various loan products and repayment methods. How can I know if my loan cost is high? Before lending, use the price comparison artifact to let you know which loan product is more economical.
Click on the bottom of the phone and measure it immediately!
Fourth, I owe a small loan of about 30 thousand. Will I come to the house after 300 days' overdue?
cannot
Micro-loans are overdue and not accepted at home. Microfinance is a formal credit product. After the deadline, customers will only carry out collection work within the scope of compliance, and there will be no non-compliance such as door-to-door collection and telephone harassment of family and friends.
Generally, micro-loans will not come to the door when they are overdue. After the customer is overdue, the platform will often take the following measures to safeguard its rights and interests.
1, report to the credit information system.
2. Calculate the overdue penalty interest of customers.
3. Call for repayment.
4. Reduce the customer's WeChat score.
5. Reduce the customer's micro-credit line.
6. Freeze customers' microfinance channels.