Won't Zhong 'an Xiaoyu be prosecuted again?

Is Zhongan Small Loan Reliable? How long will Zhongan Small Loan be sued if it is overdue?

When many borrowers apply for loans, they will worry that the online lending platform they choose is irregular, unreliable and the interest rate is too high. Online lending platforms on the market are mixed, and licensed institutions and non-licensed institutions are mixed together, which is really difficult to distinguish clearly. Is Zhongan Small Loan Reliable? How long will Zhongan Small Loan be sued if it is overdue?

Is Zhongan Small Loan Reliable?

Zhongan Small Loan is a lending product under Zhongan Insurance, which belongs to Chongqing Zhongan Small Loan Co., Ltd. According to the information displayed by official website, Zhongan Small Loan has an Internet small loan license. Therefore, in terms of credit, the qualification requirements for borrowers are also strict.

If there are serious stains on the borrower's credit information, or even more overdue records, it is definitely impossible to apply for Zhongan Small Loan. The credit line of this product ranges from 30 million to 200,000 yuan, subject to the actual approval results. If users have good comprehensive evaluation and good credit, they will have the opportunity to obtain large amounts of funds.

Users can download the APP directly or operate it through official third-party channels. Users need to register their mobile phone numbers, then carry out face recognition and ID card authentication, bind bank cards, and submit data for review.

How long will Zhongan Small Loan be sued if it is overdue?

If the borrower refuses to repay the loan after being urged, and has a bad attitude, and the loan amount is large and overdue for more than 3 months, Zhongan Small Loan can sue the borrower. Once Zhongan Small Loan wins the case, if the borrower fails to repay the loan after the court's judgment, it will be listed as an executor of dishonesty, which will affect the normal life of the borrower and affect the children's study in private schools.

The above is "Is Zhongan Small Loan Reliable?" I hope I can help you!

What will happen if Zhongan Small Loan maliciously binds insurance?

Yes Affect credit reporting. After the deadline, I will accept it. May be prosecuted. Loans overdue, generally speaking, will face these three consequences. However, since loans overdue is only a civil dispute, it will not constitute financial fraud, will not be put on file for investigation, and naturally will not be sentenced to jail. If a debt collector tells you not to pay back the money, you call the police to arrest people and put you in prison or something. Then you can ignore it, because it's all a collection of threats. Put pressure on you in this way and urge you to repay.

Is it true that I owe Zhong 'an a small loan of 3,000?

It's true. If you default for a long time, you may be sued by Zhongan Small Loan. Therefore, it is true to send a message.

What will happen to Zhongan loans overdue?

It will not only affect personal credit, but also pay penalty interest and may be sued.

Zhongan Small Loan is a financial technology enterprise with the characteristics of Internet insurance technology and operator resources, and is committed to providing inclusive finance services for individual users and small and micro customers.

Corporate events

2065438+June 2009, Tianyi E-Commerce Co., Ltd., a subsidiary of China Telecom, invested 2 1 10,000 yuan in Zhongan Small Loan. Zhongan Small Loan relies on the advantages of China Telecom's massive and high-quality user scenarios. At the same time, relying on the technology and risk control capabilities of Zhongan Technology, a wholly-owned subsidiary of Zhongan Insurance, it complements the advantages of "communication+insurance+scenario" to provide safe and convenient financial services for more individual users and small and micro customers.

Zhongan Insurance released the new version of Zhongan Small Loan App for the first time in the sub-forum of "Insurance and Bank Inclusive Innovation" on the 20 19 Open Day.

Company history

2065438+In June 2009, China Telecom Tianyi E-Commerce Co., Ltd. was approved by Chongqing Finance Office, and officially took a stake in Zhongan Small Loan, which tied with Zhongan Technology as the largest shareholder. Tianyi E-commerce Co., Ltd. is the core carrier of China Telecom's Internet finance ecosystem, and has important business brands such as Wing Payment; Zhongan Technology is a wholly-owned subsidiary of Zhongan Insurance. As the first Internet insurance company in China, Zhongan Insurance is a financial enterprise with industry-leading scientific and technological capabilities. With the blessing of these two shareholders, Zhongan Small Loan, after the mixed reform, has been a financial technology enterprise featuring Internet insurance technology and information return operator resources since its birth. Through more than half a year's practice, Zhongan Small Loan has also explored the development path of "communication+insurance+scenario".

What will happen to Zhongan loans overdue?

1. Collection of penalty interest: Zhongan loans overdue will be charged with penalty interest. The calculation formula of penalty interest is = overdue residual principal × corresponding penalty interest rate × overdue days. The number of overdue days is calculated from the day after the repayment date until it is paid off. The longer the overdue period, the higher the penalty interest.

2. Impact on life: After Zhongan loans overdue, the loan staff of Zhongan will notify the borrower to repay the loan by calling and texting, which will seriously affect his life several times a day.

3. Impact on credit reporting: Zhongan Loan is for credit reporting. If the borrower has overdue behavior during the use of Zhongan Loan, the system will report the overdue record to the central bank for credit investigation, thus affecting personal credit investigation. It should be noted that the consequences of the public security in loans overdue are very serious. Therefore, it is suggested that borrowers must repay on time, and it is most important to maintain good credit information.