Is it easy to get an Erythrina loan?

1. What is Ping An Puhui Loan?

Ping An Puhui Loan is a credit product specially provided for small and medium-sized enterprises, aiming to help enterprises obtain financial support to achieve enterprise development. This product was launched by Ping An Insurance Group of China and cooperated with a number of financial institutions to provide loan services to small and medium-sized enterprises.

2. Advantages of Ping An Puhui Loan

1. High loan amount: Ping An Puhui Loan has a high loan amount, up to 5 million yuan, which can meet the funding needs of small and medium-sized enterprises.

2. Fast disbursement: Ping An Puhui Loan disburses quickly. After receiving the application materials, the review can be completed within 7 working days, and the funds can be received in time.

3. Low fees: Ping An Puhui loans have relatively low fees, with loan rates starting from 1.5%, and the loan period can be selected from 1 to 5 years, which can be flexibly selected according to the actual situation of the company.

3. Application conditions for Ping An Puhui loans

1. Enterprise type: Ping An Puhui loans are mainly targeted at small and medium-sized enterprises, including individual industrial and commercial households, small and micro enterprises, etc.

2. Business license: The enterprise must have a valid business license, and the business scope on the business license must be consistent with the business scope for which the loan is applied.

3. Enterprise qualifications: The enterprise must have stable operating income, business operations must comply with regulations, and corporate finances must be in good condition.

4. Application process for Ping An Puhui loan

1. Preparation materials: Enterprises need to prepare business license, business scope certificate, corporate financial statements, corporate qualifications and other materials.

2. Fill in the application form: Enterprises need to fill in the application form online, including basic information about the enterprise, loan amount, loan period and other information.

3. Submit materials: Enterprises need to submit the completed application form and prepared materials to Ping An Puhui Loan for review.

4. Approval: Ping An Puhui loan reviewers will review the information submitted by the company. After passing the review, the loan amount will be released to the company's account in a timely manner.

5. Repayment Methods of Ping An Puhui Loans

There are two repayment methods for Ping An Puhui Loans: one is equal principal and interest repayment, that is, the monthly repayment amount Equal; the other is equal principal repayment, that is, the monthly repayment amount decreases month by month. Enterprises can choose a repayment method that suits them based on their actual situation.

6. How about Ping An Puhui Loan?

Ping An Puhui Loan is a credit product specially provided for small and medium-sized enterprises. It has high loan amount, fast disbursement and low fees, which can meet the capital needs of enterprises. The application conditions are also relatively loose, making it an ideal way for small and medium-sized enterprises to obtain funds. A good choice for support. Hengchang loan is not subject to credit bureau. Does Hengchang loan need to be subject to credit bureau?

Hengchang loan is not subject to credit bureau, and no pledge is required. You can apply if your sesame score is above 560, and the user Must be between 18 and 50 years old. The loan repayment period is very short, only 7 days, and the loan interest is relatively low, with a daily interest rate of only 0.04%. It is relatively simple to apply for Hengchang Credit. You only need to download and install the Hengchang Credit APP on your mobile phone, use your real-name verified mobile phone number to register, and you can get the loan approval in just 1 hour. The above is the content related to whether Hengchang's loan can be approved by the credit report.

The benefits of personal credit reporting

Much of the information that financial institutions need to know is in the user's personal credit report, so there is no need to spend so much time checking the user's credit report. The information filled in the loan application form is accurate. Therefore, the first benefit of personal credit reporting is to save users time and effort and help users obtain loans more quickly. If the user's personal credit report shows that the user is a person who repays the loan on time and performs the contract diligently, the financial institution will undoubtedly like the user and will not only provide loans, credit cards and other credit services, but will also provide preferential treatment in terms of quota and annual interest rate. . If it is recorded in the personal credit report that the user has not repaid money in the past, financial institutions should be cautious when considering whether to grant a loan to the user. This article mainly writes about the knowledge points related to whether Hengchang loans can be approved by the credit report, and the content is for reference only.

Will Hengchang be listed on the credit report in 2020?

In 2020, Hengchang will be listed on the central bank's credit report. Borrowers need to pay special attention to remembering the repayment date. Once an overdue behavior occurs, the system will truthfully upload the overdue record to the credit report. credit record, thus affecting the borrower's subsequent credit business processing and application. It is recommended that borrowers develop good repayment habits, live within their means, and borrow within their own capabilities to avoid affecting their personal credit. Does Hengchang have a credit report in 2018?

No. Except for banking institutions, general loan companies do not submit credit reports. For credit reporting on loans, it depends on whether the actual lender in the loan agreement is qualified to access the credit reporting system. There are generally three situations:

1. The lending institution itself has accessed the credit reporting system, such as most Most banks, all licensed consumer finance companies, and a few trust companies, such as Immediate Consumer Finance, Bank of China, and Bohai Trust;

2. Lending institutions are not connected to the credit reporting system, but through the joint loan model they have Cooperate with companies that are connected to the credit reporting system to achieve the purpose of accessing the credit reporting system. For example, JD.com Gold Bar authorizes Bank of Shanghai to inquire;

3. The lending institution is not connected to the credit reporting system, but through the loan assistance model, it has Cooperate with companies that have access to the credit reporting system to achieve the purpose of accessing the credit reporting system, such as Mingte Quantification and Zhangzhong’s credit reporting through Huarong Consumer Finance.

Extended information

As more and more non-bank institutions access the credit reporting system, the deterrent effect of credit reporting has a strong impact on both institutions and borrowers in the consumer finance industry. The role of Yangqing.

Even if you don’t have a credit report, online loans now have big data, and other loans will be affected once they are overdue.

Chinese people’s personal credit information can be checked through two channels:

1. Bring your ID card or the ID card of the principal and the power of attorney to the credit inquiry window of the People’s Bank of China where you are located. Provide an ID card to print personal credit records;

2. Open the official website of the Chinese People's Credit Center, register an account with your mobile phone number and ID card, and submit a personal credit record inquiry application in the personal inquiry column, usually within 72 hours Your mobile phone will receive an inquiry code sent by the credit reporting center. Open the official website of the Chinese People's Credit Information Center again and log in to register an account. Enter the inquiry code of the mobile phone text message in the personal inquiry column to check the personal credit information. At the bottom of the page, you can generate a PDF document to download and save.

ifeng.com-dry information | Actually! Only under these three circumstances will the loan be subject to credit reporting