How to apply for Jingchu Xiaokang Loan

After information entry, system review, face verification, and mobile phone withdrawal, the loan application was approved in less than 5 minutes, and the loan fund of 10,000 yuan was successfully withdrawn. The review has not been completed: Some borrowers are not particularly qualified. After passing the initial review, they will undergo a second review. Most of them require manual phone calls. If it shows that the loan is being processed, you have to pay attention to answer the phone. If you do not receive the call, or answer the call, Failure to answer questions on the phone may result in loan failure.

: Interest algorithm

1. One-time repayment of principal and interest. One-time repayment of principal and interest means that the borrower does not have to repay the loan during the borrowing period, and will repay all the principal and interest in one lump sum on the final repayment date. If the loan term is one year, the loan interest = loan principal * annual interest rate; if the loan term is less than one year, the loan interest = loan principal * monthly interest rate * number of loan months; for example, if Xiaokang borrows 10,000 yuan, the loan term is 12 months , the interest is 8%, which means that the monthly loan interest rate is 0.8%, then the total loan interest that needs to be paid is 10000*0.8%*12=960 yuan. Then on the final repayment date, Xiaokang needs to make a one-time repayment of 10,960 yuan.

2. Equal principal repayment. The equal principal amount means that the arrears principal is evenly distributed to each repayment period, and the monthly repayment interest is the remaining principal multiplied by the monthly interest rate. For example, if you borrow 10,000 yuan with a term of 12 months and an interest of 8, then the principal that needs to be repaid every month is 833.33 yuan, the interest that needs to be repaid in the first month is 10,000*0.8%=80 yuan, and the repayment in the second month is 10,000*0.8%=80 yuan. The interest is (10000-833.33)*0.8%=73.33 yuan, and the interest repaid in the third month is (10000-833.33-833.33)*0.8%=66.67 yuan... and so on.

1. Equal principal and interest repayment. The equal principal and interest repayment method means that the total monthly repayment of the user is the same, but the proportion of principal and interest repayment is different. The monthly repayment interest is the total outstanding principal multiplied by the monthly interest rate. This repayment method involves more interest and less principal in the early stage. With monthly repayments, the proportion of principal in the monthly repayment will become more and more, and the proportion of interest will become smaller and smaller. .

2. Delay in loan time: If you apply for a Huaya loan on a working day, the loan will be released faster. If it falls on a holiday, the review or loan may be postponed until you are at work on a working day. For this reason, it is recommended that you It is best to apply a few days in advance during holidays to avoid delays in disbursing money and delaying the use of money.

3. The loan is pending: HuaYa has already loaned the money, but different banks have different arrival times and different processing times. What is important is that the borrower must ensure that the bank card bound is his or her valid bank card, that the bank card is in normal condition, and that the card has not been lost or sold. Otherwise, if the money cannot be collected normally, a refund will be issued.

Buying ducks for the first time but there is a quota when logging in

There are two possibilities for this situation

1. Maybe you have applied for a quota to buy ducks before, for example, you If you have applied for a duck buying quota in the offline duck buying mini program, if you register the online duck buying mall with the same mobile phone number, the relevant quota, order, bill and other information will be synchronized, and vice versa;

2 .The previous owner of the mobile phone number you are currently using has applied for a duck purchase quota. In this case, you can contact us for manual verification.