Is baixin bank Loan Reliable?

Is CITIC baixin bank Haohuihua a black online loan?

No, baixin bank's full name is "CITIC baixin bank Co., Ltd.", which is an Internet direct selling bank jointly sponsored by CITIC Bank and Baidu Company. It is a formal licensed financial institution with a safe and reliable platform. It is suggested that you can borrow money from offline banks if you need it.

Is baixin bank loan an online loan?

Baixin bank Haohuihua is a pure credit unsecured installment loan product for personal consumption finance. The whole process is handled online, the fastest time is 60 seconds, and the withdrawal is made in 2 hours; Flexible withdrawal, repayment at any time, up to 200 thousand, daily interest rate as low as 0.02%.

Is baixin bank an online loan?

If a customer applies for a loan on the loan platform, even if it is granted by baixin bank, it is still an online loan. After all, baixin bank is only a cooperative lender, and customers have a direct loan relationship with the loan platform.

Baixin bank, founded by CITIC Bank and Baidu Company, is the first direct selling bank approved as an independent legal person. If a customer directly applies for a loan from baixin bank and then directly lends money from baixin bank, the loan is naturally not an online loan, but a bank loan product.

Baixin bank's loan products mainly include Haohuihua and People's Loan. Among them, Haohuihua is a pure credit and unsecured personal consumption installment loan product with a maximum amount of 200,000 yuan and a minimum daily interest rate of 0.02%.

Baixing loan is a loan for small and micro enterprises, mainly for enterprises in Guangdong, Jiangsu, Hunan, Tianjin and Henan. Invitation mode is adopted, with a credit period of one year and a loan period of 3/6/ 12 months. During the period, the whole loan is repaid, and the daily interest rate is between 0.03% and 0.05%.

Is it reliable to spend this online loan?

Reliable, can be understood from five aspects.

1, Background Good Social Flower is a personal credit loan product of baixin bank, an Internet bank jointly established by China CITIC Bank and Baidu. With the approval of CBRC and formal financial license, bank lending is definitely a formal and reliable platform.

2. Clubs with good product advantages provide users with a maximum loan amount of 200,000, and the service period is 3- 12 months. There are application portals in baixin bank and Baidu, which can be bound to Alipay or WeChat for consumption and use. It's very convenient. It will be received on the day of approval.

3. If the interest rate is good, the daily interest rate given by official website is between 0.02% and 0.05%, and the minimum annual interest rate is 7.2%. The loan interest rate is within the interest rate range stipulated by the state. The specific interest rate is subject to the actual approval, and the interest on borrowing money is more reliable when it is good.

4. Credit information will be connected to the central bank's credit information system, and bank loans will definitely be checked for credit information, and will be recorded in the personal credit information report after the deadline.

It is easy to pass the exam. Users can apply as long as they have a stable job and a good personal credit record, and they can improve the quota and pass rate by certifying social security provident fund and other auxiliary conditions. Note: There may be a return call during the audit, so just pay attention to answering it, pay attention to repayment on time, and don't be overdue.

First, the definition of online lending peer-to-peer lending is actually not difficult to understand. All processes, such as authentication, bookkeeping, clearing and delivery, are completed through the network, and both borrowers and borrowers can achieve the purpose of lending without leaving home. And the general amount is not high, unsecured, pure credit lending.

Second, peer-to-peer lending is also divided into two modes: b2c and c2c. C2c mode-Introduction of ——P2P mode. P2P is short for pear to pear, which means person to person. P2P lending is translated as "loan for all" in Chinese, which means person-to-person lending. The characteristic of online lending is zero cost: the demander can find the fund provider without paying any fees. Quick: quick release, quick participation and quick transaction! Convenience: loan demanders no longer need to compare and choose banks one by one to find the most favorable suppliers. It has built a fair, transparent, stable and efficient online interactive platform for individuals with financial needs and financial needs, and formed a network loan model. For example, the "mutual benefit loan" model: users can get credit rating on mutual benefit loans, send out loan requests to meet personal financial needs, and also lend their idle funds to individuals with good credit and financial needs through mutual benefit, so as to help others and get a good rate of return on capital.