Is it formal to recruit a loan with good conditions? Will there be a credit report?

When it comes to applying for online loans, a series of topics such as informal loan platforms and influencing credit reporting will emerge one after another. With the strengthening of national supervision over the credit market, many informal online lending platforms have gradually withdrawn from people's field of vision. Is it formal to recruit a loan with good conditions? Will Zhilian good time loan grant credit?

Is it formal to recruit a loan with good conditions?

If you want to know whether the small loan platform is formal, you need to look at the platform background, qualification certificate, loan interest, overdue collection and so on.

1, platform background

Zhaolian Good Term Loan is a small loan product under Zhaolian Finance. Established with the approval of China Banking Regulatory Commission, China Merchants Bank and China Unicom jointly initiated the establishment. A consumer financial institution with a formal license, which mainly provides cash loans and installment consumption services, has a banking background. At the same time, Zhaolian Good Term Loan also cooperates with Alipay, China Unicom and China Merchants Bank.

After the successful application, the borrower can purchase the goods and services of the joint venture company, such as Unicom contract machine, free of interest and handling fee.

2. Qualification certificate

The financial institutions that have a formal license to recruit long-term loans and provide funds behind them are also financial institutions with private lending qualifications approved by the China Banking Regulatory Commission.

3. Loan interest

However, according to the feedback from actual users, the annualized interest rate of Zhaolian Good Loan is equivalent to the daily interest rate. However, compared with bank credit cards, the installment fee rate of credit cards is about 18%.

4. Overdue collection

After the borrower loans overdue, the timely loan is mainly reminded by telephone and SMS. Generally, we don't contact the borrower's address book friends privately, and we don't collect them at home without the borrower's consent.

The above is the sharing of related content "Is it normal to recruit a loan with a good term?". I hope I can help you!