What does it mean to have a quota to withdraw cash after confirming the loan with Xiaoying Card Loan?

After the Xiaoying Card loan is confirmed, there is a line of withdrawal, which means that after you confirm the loan of 2,000, you can get a loan line of 3,000, and you can borrow another 3,000 immediately.

What is a small win-win loan?

Xiaoying Loan is a product launched by Xiaoying Technology, a company listed on the New York Stock Exchange. Close cooperation with professional financial institutions such as CMB Qianhai Finance, Shenzhen Gold Investment Co., Ltd. and Jiangsu Property Rights Exchange Center has optimized the resource allocation of the whole platform. Xiaoyingka is a cash loan product, and it is still very reliable in general.

Judging from the interest rate of Xiaoying Card, China stipulates that the annual interest rate of more than 36% belongs to usury, and the monthly interest rate of Xiaoying Card loan is 0.67%. After the loan is successful, a handling fee of 2% and a service fee of 1. 1- 1.23% are required. This interest rate is within the scope of legal protection.

Where is the most reliable and direct loan? Moreover, compared with other loan methods, the online loan platform is convenient to apply for loans and fast to lend. However, when applying for online loans, we should pay attention to choosing a formal platform, which can better protect personal interests and information security. At the same time, be careful not to pay the pre-loan fee to avoid being cheated.

Is the small win card loan legal?

Whether the small win card loan is legal or not depends on specific issues. Legality depends on whether the interest rate conforms to the law. If the previous interest rate does not exceed four times the quoted interest rate of the one-year loan market when the contract is established.

legal ground

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 27 After the borrower and the borrower settle the loan principal and interest in the early stage, the interest shall be included in the loan principal in the later stage, and the creditor's rights certificate shall be reissued. If the interest rate in the early stage does not exceed four times the market quotation of the one-year loan when the contract is established, the amount specified in the reissued creditor's rights certificate can be confirmed as the loan principal in the later stage. The overcharged interest shall not be used as the loan principal in the future.

According to the calculation in the preceding paragraph, if the sum of the principal and interest that the borrower should pay after the expiration of the loan term exceeds the sum of the interest of the whole loan term based on the initial loan principal and calculated according to the market quotation of the one-year loan at the time of the establishment of the contract, the people's court will not support it.