Is Qianzhan Loan Formal? Advance loan skills

Is the loan application requirement of Qianzhan high? What conditions need to be met?

/kloc-China citizens aged 0/8 to 45 with full capacity for civil conduct.

1. Have a fixed residence, have the ability to repay interest-free loans on schedule, be able to provide a guarantor, have a good reputation and have no bad records.

2. Have a stable occupation and income, and be able to repay the loan principal and interest on schedule. The actual age of the borrower plus the loan application period shall not exceed 70 years old.

3. If the lender has a stable job and income certificate, and pays the provident fund on time, it is easier to apply for provident fund loans or commercial loans. Just pay attention to your credit history and provide proof of income that is more than twice the monthly repayment amount.

4. The applicant must be a natural person with full capacity for civil conduct, with permanent residence in cities and towns or valid residence status, that is, the borrower is required to have legal status, stable occupation and income, good credit and the ability to repay the principal and interest of the loan.

Is Qianzhan pro reliable?

Money banks have high interest rates.

Qianzhan is a big and old cave under the Fanpujinke Group, which is more formal. The loan interest is the same as that of the same type of loan products. At present, there is no negative news of violent collection, and the privacy protection of users is relatively in place. At present, the maximum amount that can be applied for is 200,000, and the longest service period is 36 months. More information is needed when applying, and the pre-approval amount can be obtained according to the information submitted by users. In fact, the information authentication steps of the money station are also skillful. Don't authenticate all options at once. In addition, it should be noted that when applying for the money station, the old man can first register the account of the money station with the card cow credit card housekeeper. If payment is made at the cashier's station of Kaniu Credit Card Manager, in addition, there are many openings under the cashier's station, such as the quota of Fan Xiao installment, Vanadium Card, Fanpuxin and Kaniu cashier's station, which is not enjoyed by the cashier's station itself and belongs to an independent quota.

Does money represent a credit investigation?

It is reported that the Qianzhan loan platform does not check the credit information, but in the case that the Qianzhan platform is overdue, the platform will charge liquidated damages. The liquidated damages are calculated at 10% of the monthly repayment amount, and at least 100 yuan needs to be repaid, and some short-term small users need to repay the liquidated damages around 50 yuan. At the same time, the borrower will also receive the platform's telephone dunning and SMS dunning after the deadline.

Matters needing attention in loan:

1, loan amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.

2. Loan information:

The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.

Are there any requirements for borrowers to borrow money at the money station? How is the quota determined?

Qianzhan will first review the credit status of the loan applicant, and the amount depends on the individual's specific situation. The better the personal credit, the higher the amount you can apply for.

Personal credit is the foundation of the whole social credit. The market subject is composed of individuals, and all economic activities in market transactions are closely related to personal credit. Once individual behavior is out of control, individual dishonesty will occur, and then collective dishonesty will occur. Therefore, the construction of personal credit system is of great significance.

Extended data:

The main information includes:

Identity information: mainly including name, identity document and unique number, date of birth, marital status, spouse information, home address, contact telephone number, etc.

commercial information

It mainly includes the actual performance records formed by the credit relationship between individuals in loans, guarantees, credit cards, insurance and other institutions and financial institutions or housing provident fund management centers.

Public information: mainly including personal tax payment, participation in social insurance, personal property status and changes.

Special records: records involving civil, criminal, administrative litigation, administrative punishment, etc., which may affect personal credit status.

Other information: personal credit file credit information source: 1, provided by myself; 2. Provided by my employer; 3. Provided by financial institutions, commercial institutions or other stakeholders; 4, the announcement of state organs; 5. Public media coverage.