Is Hengyi Loan Reliable?

Hengyi loan is not very reliable, and its cost performance is relatively low. Loans are not recommended.

Hengyi Loan is a controversial platform. The controversy lies in the fact that the group companies behind it all started from offline financing, which has always been considered by many people as a very dangerous business. Even though Heng Chang Group set up an online financing platform, Hengyi Loan, it still has the burden of offline financing, and everyone is not optimistic about Hengyi Loan.

Summarizing the asset side of Hengyi Loan, there are mainly three parts: one is car loan and financial lease, which belong to offline stores and have mortgage loans; Large credit loans for secondary stores; The third is online microfinance. On the whole, Hengyirong's platform background is not strong, the platform owner's experience and background in the financial field are weak, and the contact with other companies behind the platform is complicated. Among them, Heng Chang also involves the elements of offline financial management, and the compliance and transparency of offline financial management are poor. At present, there are 1-2 offline financial platforms that have problems, so the security of offline financial management is very worrying, and the risks of this platform are. In terms of rate of return, the level of return is the same as that of the head platform, which obviously does not equal its risk. The upper-middle risk matches the lower-middle yield, and the cost performance is relatively low, so investment is not recommended.

Extended data:

Formal online lending platform:

1, money to spend

Youhuagan is an online credit product owned by Du Xiaoman. You don't need to provide any mortgage or guarantee items, but you can apply for a loan with personal credit. The maximum amount of money that can be given to users is 200,000, which is already very large in many small loan software.

The minimum loan interest rate for those who have money to spend is 0.02%, and the longest loan period that can be applied for is 24 months. When users apply for loans, they are online all the time, with simple steps and convenient application. If you have the money, someone will approve it within 24 hours. After the loan application is approved, the loan can be completed in 5 minutes at the earliest.

2. Microfinance

Micro-loan is a small loan product under Weizhong Bank, the first online bank. Users don't need to download the APP, open WeChat and click on the wallet to find the loan entrance of micro-loan. Micro-loans adopt a white list invitation system, which requires users to score 650 points or more on WeChat payment before they can be opened.

The minimum daily interest rate of micro-loans is 0.02%, and the maximum credit line is 300,000 yuan. After the user's loan application is approved, the notice of receipt will be received within 5 minutes at the earliest.

3. Sweet orange borrows money

Sweet Orange Loan is a loan product in China Telecom Wing Payment APP, with a maximum credit line of 200,000 yuan and a maximum loan term of 12 months. The minimum daily interest rate for borrowing money from sweet orange is 0.02%. After the loan application is approved, the user can receive the loan notice in one minute at the earliest.

Online loan application conditions:

1. The online loan association requires applicants to be at least 18 years old and have full capacity for civil conduct, and many online loans are not allowed for students to apply.

2. Sesame credit: Many online loans require authorization of sesame credit, so online loans require applicants to have good sesame credit, but different loan products have different standard requirements for sesame credit scores. General applicants need to reach about 500% or 600%.

3. Personal credit: Some online loans need to be checked, and some don't, but overall, the applicant's personal credit is good.

4. Other conditions: online loans basically require mobile phone numbers and bank cards. Especially the mobile phone number, the online loan will require the applicant to have a mobile phone number with real-name authentication for 3 months or more.

Of course, different online loan products may have different situations, and the actual situation is subject to the product page display.