Is Baixin Youyi real or fake?

Bixin Ubor is a type of online loan and is basically reliable. I found on the Internet that this name is the brand of "Shanghai Minghang Technology Co., Ltd."

Online lending is a state-recognized, formal industry. P2P financial management refers to lending between individuals, using the platform as an intermediary to connect the borrowers and lenders to achieve their respective lending needs. The borrower can be an unsecured loan or a secured loan. Investors invest in the borrower through the platform, and the intermediary is generally a new financial management model that collects handling fees from both parties or one party for the purpose of profit or earns a certain interest spread for the purpose of profit. .

How to choose a loan correctly:

1. Loan interest rate discount

For example, when a home buyer applies for a mortgage, the first thing he needs to compare is the loan interest rates of various banks. Discount, the current benchmark interest rate stipulated by the central bank for loans with a term of more than 5 years is 4.9. In different cities, different banks can set different interest rate discounts according to specific circumstances.

2. Preferential thresholds

Each bank has different loan thresholds, and naturally the preferential thresholds are also different. Some banks will require borrowers to have a certain amount of deposits in the bank, or a certain proportion of the loan amount to the total house payment, etc., before they will give certain interest rate concessions to loan applicants. At this time, it is best for home buyers to make arrangements in advance. Do your homework and understand the regulations of each bank. Especially if you are buying a second-hand house, you need to pay more attention. Some banks may require that the second-hand house you apply for a loan cannot be more than 20 years old, or even 10 years old.

3. Interest rate adjustment methods

The interest rate adjustment methods currently followed by banks mainly include: interest rate adjustment in the following year and monthly interest rate adjustment. The interest rate adjustment in the next year is the adjustment announced by the central bank. After the loan interest is adjusted, the bank can implement it from January 1 of the next year, while the monthly interest rate adjustment will implement the new base interest rate from the next month after the central bank adjusts the interest rate. There is also a fixed interest rate. When some banks and loan applicants sign a contract, they can agree that the interest rate will not be adjusted in accordance with the regulations of the central bank. Regarding the above three interest rate adjustment methods, different banks have different regulations.

4. Repayment method

The equal-amount principal repayment method is more interest-saving, but this repayment method has a slightly greater repayment pressure in the early stage and less and less pressure in the later stage. . It would be better if, when applying for a loan, the bank allows you to choose a repayment method based on your actual situation. In addition, in real life, many people will eventually repay their loans in advance. When taking a loan, home buyers must first learn more about the bank's requirements for early repayments. Some banks may charge early repayments for early repayments. Certain liquidated damages.