Lufax's "Gold Point Plan" will not be renewed after the expiration of 6 months, but will be renewed every 30 months. ...

A, lufax "golden plan" after the expiration of 6 months, no renewal, according to the remaining 30 months every. ...

Monthly fixed interest rate repayment

Second, Chengde Bank enjoys the e-financing repayment method.

Chengde Bank enjoys e-financing repayment with average capital and equal principal and interest. Enjoy E-Finance is a brand-new online personal credit loan product launched by Chengde Bank. It doesn't need any guarantee or mortgage. You only need my ID card to apply, one-click loan, quick payment, and various repayment methods, with a maximum amount of 200,000.

The difference between average capital and equal principal and interest

Matching principal and interest repayment method, also known as regular interest payment method, refers to the borrower's equal repayment of loan principal and interest every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled monthly. Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period.

Average capital repayment method, also known as repayment method with fixed interest and unequal interest, allows the lender to allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest expense of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

Matching principal and interest repayment method, the repayment amount of each installment is the same, that is, the total amount of principal plus interest per month is the same, and the repayment pressure of the lender is balanced, but the interest burden is relatively large. Average capital's repayment method, the monthly principal is unchanged, the interest is gradually reduced, and the early repayment pressure is great, but the repayment amount is gradually reduced in the future, and the total interest burden is less.

3. Does Chengde Bank enjoy e-finance?

Enjoy E-Finance is a brand-new online personal credit loan product launched by Chengde Bank. You don't need a guarantee, you don't need a mortgage, you just need my ID card to apply. You can borrow money with one click, get it quickly, and repay it in various ways. The maximum amount is 200,000 yuan, and the minimum daily interest rate is 0.0/kloc-0.5%, which is the greatest benefit and convenience for small business owners and individual customers in need. This series of online loan products also includes deposit e-finance and wealth management e-finance, which not only provides customers with various forms of credit services, but also guarantees the interest income of deposit certificates and wealth management.

PS: It should be noted that at present, the application for e-finance is subject to the invitation system. If you haven't received the invitation message for the time being, please apply directly to the branch of Chengde Bank or invite the application through the account manager.

Application conditions:

1. Applicants must be at least 18 years old and can provide legal identity information;

2. The applicant's credit is good.

3. The applicant has a stable job and economic income, and the applicant has full capacity for civil conduct.

Required information: ID card, face recognition, personal basic information, contact person, work information, residential address and bank card binding.

Application strategy:

1, the product has actually been on the line for some time, but it has only recently become hot. Mainly because the product is now in the promotion period, many account managers can buy it, which is what the intermediary calls the white list addition mode.

It is understood that the pass rate of this product is really good, but it is a regional banking product after all. Although foreign customers can also enter through the white list, the pass rate of foreign customers is certainly not as high as that of local customers. There is no doubt about it.

3. This product belongs to the invitation system. If it is not open after registration, it can only be imported through offline outlets or invited by account managers. Of course, this is just an import. As for whether you can make the next payment, it mainly depends on your personal qualifications.

4. What does Chengde Bank enjoy in e-finance?

As the name implies, Enjoying E-finance is a series of online banking software launched by Chengde Bank. From the search information, we can know that this product is an online personal credit loan software independently launched by Chengde Bank, and it is also an intelligent software to accelerate the digital transformation strategy. Compared with the previous office software, this software is much more convenient, and it can be unsecured and unsecured, with simple operation and fast collection speed. The interest rate is relatively low, so you can borrow it and pay it back. Compared with offline loans, online operation is more convenient and faster, saving time and effort.