How much do you know about Shanghai Pudong Development Bank’s personal consumption loans?

1. How much do you know about Shanghai Pudong Development Bank’s personal consumption loans?

Personal consumption loans of Shanghai Pudong Development Bank are divided into three types: Elite Loan, Haofang Loan and Xiaodaiyi 1. Elite Loan Elite Loan is a credit loan issued by Shanghai Pudong Development Bank to recognized mid-to-high-end consumer loan customers. To meet the financial needs of individuals and families for reasonable consumption. Its characteristics are: long term, up to 10 years; high credit limit, up to 1 million; easy to handle, and the credit limit can be determined quickly. Application conditions: Natural persons with the nationality of the People's Republic of China who are over 25 years old (inclusive), have full capacity for civil conduct, and the loan maturity date is generally not more than 70 years old (inclusive). Applicants from Hong Kong, Macao and Taiwan should have lived in the mainland for one consecutive year, and their family’s main place of residence is in the mainland. Have legal and stable economic income, good overall credit status and asset strength, and the ability to repay the principal and interest of the loan. Other conditions required by the bank. 2. Haofang Loan Haofang Loan is a mortgage loan that customers use as collateral for commercial housing or commercial properties for reasonable personal or family consumption. Its features are: flexible repayment, three innovative repayment methods; Loan 11, a good mortgage loan and a debit card with a revolving credit limit; high mortgage rate, up to 80% of the value of the mortgage. Application conditions: Natural persons who are 18 years of age or older (inclusive) and have full capacity for civil conduct, and the loan maturity date is no more than 70 years old. Have permanent urban residence or valid residence status. Have legal and stable economic income, good credit, and the ability to repay the principal and interest of the loan. If you have consumer financing needs in car purchase, decoration, education, travel, weddings, large-scale consumer goods, etc., we can provide bank-approved guarantees. Other conditions required by the bank. 3. Xiaodai Yixiaodai is a consumer loan approved by Shanghai Pudong Development Bank, and the borrower can swipe the card or withdraw cash through the exclusive Xiaodaii card. Its characteristics are: recurring use, one-time application, and the limit is recycled; use and borrow at any time, POS card swiping, ATM cash withdrawal, 724 hours of use; support for cash withdrawal, the loan can be fully withdrawn within 300,000 yuan; the loan can be withdrawn within 300,000 yuan Cash withdrawal in full; the limit is very high, and the real estate mortgage rate can be up to 100%; the term is very long, and the loan term can be up to 30 years; there are many guarantee methods, and multiple guarantee methods are supported, such as mortgage, pledge, guarantee, and credit. ; SMS notification: "Timely words" SMS warm reminder. Application conditions: Natural persons with the nationality of the People's Republic of China who are over 18 years old (inclusive) and have full capacity for civil conduct, and the loan maturity date is not more than 70 years old (inclusive). Residents of Hong Kong, Macao and Taiwan should have lived in the mainland for one consecutive year, and their families mainly live in the mainland. Have legal and stable economic income, good overall credit status and asset strength, and the ability to repay the principal and interest of the loan on schedule. The personal consumption credit limit has been approved by our bank and has taken effect. Other conditions specified by the bank.

2. What are the mortgage interest and repayment methods of Shanghai Pudong Development Bank?

Calculation of minimum repayment = (cash withdrawal principal for consumption in the current period) x 10% before the bill date Interest fees, annual fees and other fees that have not been repaid in the previous period. Pudong Development Credit Card also charges partial repayment and interest will be charged on the full amount. If you repay the minimum amount on time, it will not affect your personal credit score. However, for each transaction, interest at 0.05% per day will be calculated from the date of the respective transaction, and compound interest will be calculated monthly.

3. If you have a personal consumption loan from Shanghai Pudong Development Bank, can you still apply for Xiaodaiyi?

You can apply at a local bank

Application conditions:

< p>1. Be a resident of mainland China who is over 18 years old;

2. Have a stable address and place of work or business;

3. Have a stable source of income;

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4. There is no bad credit record, and the loan cannot be used for stock trading, gambling, etc.

5. Other conditions required by the bank.

Processing process:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for a loan;

3. Interview with a bank or lending institution;

4. Bank review of the lender

5. Pass the review and successfully grant the loan.

4. What types of loans are used by Shanghai Pudong Development Bank?

There are many consumer loan products under Shanghai Pudong Development Bank

These loan products can be roughly divided into credit loans and mortgage loans. Apply for credit loans

As a public One of the most popular types of loans currently being applied for, home loans have always been a popular product in the financial market.

Consumer loans, such as automobile consumer loans, overseas financial loans, elite loans, good housing loans, etc.

When applying for a credit loan, the user's personal credit report and work income are very critical. If there are any problems with the credit report, the application will be rejected.