Is it easy to get Xixi Loan from Xishang Bank?

1. Is it easy to get a loan from Xixi Loan of Xishang Bank?

It is relatively easy to get a loan from Wuxi Xishang Bank as long as you meet the requirements. The conditions for applying for a loan are as follows: 1. The applicant must be of age, that is, over 18 years old, and under 65 years old, and must be a natural person with full capacity for civil conduct; 2. Secondly, a valid personal certificate must be provided when taking a loan, such as : ID card, household registration book, marriage status certificate, valid residence certificate, etc.; 3. The lending institution will investigate the individual's creditworthiness, so you must have good credit standing, otherwise the lending institution will not give you a loan. Once the above conditions are met, the loan can generally be successful. Currently, the maximum amount that can be applied for by Xixi Loan is 200,000, and the use period can be divided into up to 12 months. When applying, you need to provide personal identity authentication and facial recognition, and then provide the rest of the basic personal data information authentication. Applications are open. The age range is 18-60 years old; information expansion: 1. In fact, the product is also the first self-operated Internet small credit loan product launched by Xishang Bank. There are also recent loan cases reported in the market. According to recent submissions I have received feedback from users of Xixi Dai who have applied for a loan. After Xixi Dai submitted it for review, most of them called back to me. The callback phone number was a landline starting with 0510. If approved, cash withdrawals can be made on the same day; in terms of interest, According to the test, the daily interest rate starts at a minimum of 0.02 (for the specific actual interest rate, please refer to the actual interest rate when borrowing); 2. As I just told you, this is the first of Xishang Bank This is an Internet small credit loan product. In fact, many products on the market were originally funded by Xishang Bank. For example, some users of products such as Xiaohua Wallet, Foreign Money Jar, China Unicom Easy Loan, etc. were loaned by Xishang Bank. However, it is not possible to apply for Xixi Loan by applying for Xixi Loan after disbursing money in the past. At present, there is no regional restriction. However, it is also a product of the bank. The application will definitely check the credit reference and go up. If it is Those who don’t have good trustworthiness can ignore it. Recently, many users are hyping it in the market. There are still some feedbacks on the next model. If you are qualified and need it, you can apply to try it. The introduction is for reference only.

2. Can the arrears of Xixi Loan of Xishang Bank be negotiated?

The arrears of Xixi Loan of Xishang Bank can be negotiated. If you are unable to repay the loan due to special circumstances, you can try to apply for negotiated repayment.

The customer takes the initiative to contact the customer service of the handling bank (loan institution/platform) to explain the situation, express that he does not have the ability to repay the loan temporarily, and provide corresponding supporting information (such as unemployment certificate, labor contract termination certificate, etc.) , and then you can try to apply for extending the repayment period and repaying the debt in installments. The bank (lending institution/platform) will consider this at its discretion.

Some lending institutions themselves provide deferred services, such as Home Credit Consumer Finance. As long as the customer purchases a flexible protection service package when applying for a loan, as long as the customer has repaid five consecutive installments on time and in full, You can directly submit an extension application at least fifteen days before the next repayment date (the flexible security service package also provides a service to change the repayment date, allowing for flexible repayment).

3. Will Xixi Loan of Xishang Bank be reviewed at night?

Xixi Loan of Xishang Bank will not be reviewed at night.

Xixi Dai is a lending product of Xishang Bank. This product has been online for some time and is a formal lending platform. This loan product requires a credit check, so when applying for a loan Time is of the essence, and the corresponding credit limit will be given only after passing the qualification review. Users with better credit reports will have a higher probability of passing the review and a higher credit limit.

In addition, Xixi Loan is a product that does not require system review when applying. The review can be completed within a few minutes after submitting the information, but the review cycle may be longer. The review will be conducted on the same day and will be given to you. Out of quota.

1. Bank loan interest rates are general

The latest bank loan benchmark interest rate (month) loan annual rate is 4.35, from June to 1 year (including 1 year) is 4.35, from 1 year to 3 years (including 3 years) is 4.75, and 3 years to 5 years (including 5 years) is 4.75 (including 30 years), which is a downward or upward fluctuation of 4.90.

2.

The loan interest rate is based on the loan benchmark interest rate given by the People's Bank of China as a reference and fluctuates up and down. The bank interest rate is the execution interest rate. Different banks have different execution interest rates for different loan types and loan periods. Execution interest rate = base interest rate × (1 interest rate floating value). The floating range is between 0.5-2 percentage points.

3. Loan skills

In the process of applying for a loan, the lender should be frank and clear about the reasons for the loan, and write down the loan in detail, such as: good personal credit record. Fill in the application information in detail, including the purpose of the loan, personal credit record, source of income, repayment ability, family income, etc. To ensure that your loan can be repaid on time no matter when, where or what the situation is.

_

4. Is Wuxi Bank’s personal loan good?

Each bank is not convenient if you have acquaintances in the bank and a large amount of assets in the bank. It would be much easier.