Zhaolian financial platform is a regular licensed institution, but it is another matter if it is not reliable. Tell me about my experience.
I came into contact with Zhaolian Finance on 18 and found it through the platform of JD.COM. It was not good to return the credit card at that time. As a result, the line that Zhaolian Finance gave me for the first time was 654.38+0.5 million, and it was also a turnover line. I was in a hurry to borrow money. I have no experience and didn't look at the specific interest rate. Anyway, as long as there is money to use, I have mentioned it. Maybe the credit is ok, so it has been recovered. After all, it gives a year. However, after using 10 months, Zhilian suddenly froze my quota, so I can only repay it, but I can't borrow it. This gives me a headache and a fever. In the end, I can only borrow money from other platforms to block the hole (the big hole in the online loan). But it is not overdue, and it is still worth celebrating.
I didn't say it before, but it has been used by online loans. I have paid back the recruitment money, but I still owe money to other platforms. With the attitude of giving it a try, I applied again, and this time I downloaded its own app directly. As a result, I was given a quota of 6.5438+0.5 million, which was still cyclical. At that time, I also immediately withdrew. After all, I was short of money. It was July, and the recruitment was better this time. My account was frozen at the end of 10. It's harder for me. The monthly repayment will cost him 1.8 million. In the Spring Festival, the money has nothing to do with the epidemic. I call the reminder every day because I will answer the phone. It has no address book, but it's no use negotiating with them. My wife answered the phone in front of me because she didn't answer it once that night. At that time, the blood vessels really burst (my wife didn't know that I was an online loan). The result can be imagined. .....
So although it is formal, it is impersonal. Otherwise, how can people make a profit of 654.38+0 billion a year? Online lending is as deep as the sea, and the road to online lending is long.
The platform is a formal platform, because there is a financial license, as long as you have a quota, you can make the next payment. But online loans are online loans, not banks, and interest rates are higher than banks. If you need it urgently in a short time, tell me about my experience. .....
I remember that it was May 20 17, and I lost 10 at cards. I also borrowed 80,000 yuan from Zhaolian Finance, and borrowed it in installments. I think this is a revolving credit line. I can pay it back slowly. Who knows, I stopped my credit line in less than 4 months. I'm really worried, and I can't borrow it. I can only borrow money from other platforms. I was glad I didn't think of it. But when I paid off all the money from other platforms, in August of 20 19, I was surprised to find that my recruitment quota had reached 65,438+10,000. But I really don't want to touch it. I dare not. If you want to borrow money, go to the bank! If you dare? Kengkeng ......
Zhaolian Finance is a consumer finance company jointly established by China Merchants Bank and China Unicom with the approval of China Banking Regulatory Commission. It is a licensed online lending platform and a representative of the bank's consumer finance company. At present, it has two major consumer financial product systems, namely "good loan" and "credit payment", which provide unsecured and unsecured cash loans and consumption installments.
Zhaolian Good Loan cooperated with Alipay's Sesame Credit earlier to issue micro-credit loans to some users with high sesame scores. After being stopped by supervision in the later period, loans were issued through channels such as China Merchants Bank APP. The credit limit can be independent of China Merchants Bank credit card.
Specific products include "Zhilian Good Term Loan", "White Collar Loan", "Owner Loan", "Provident Fund Loan" and "Students' Leisure Flowers". Consumer scenes cover education, medical care, medical beauty, home improvement and many other fields.
When using consumer financial products, we must do what we can to prevent excessive debt. In case of vicious collection or routine loan, you can complain to the mutual fund office or keep evidence to report to the police.
Is it reliable to borrow money from Zhaolian Finance Company? Is it a regular platform? This problem should be comprehensively analyzed from several aspects:
Zhaolian Finance Company: Reliable, the financial company jointly invested by China Merchants and China Unicom is very reliable from the background of the funder, which means that the funder is a big enterprise, at least there will be no evasion, so simply speaking, this company is very reliable and very safe.
Zhaolian financial platform: since it is a financial platform, there will be loans, so it is not reliable to choose this platform to borrow money. It can also be affirmed that the answer here is reliable, and the company is eager to borrow money from the platform. Why do you say that? The borrower needs to charge a certain amount of interest according to the repayment period and the interest rate given by the platform, which means that the platform can increase its income through interest. Of course, this interest rate is completely determined by the platform, and the interest rate can only be determined by the platform.
After introducing the company of Zhaolian Finance and the platform developed by the company, we can draw the conclusion that the company is reliable and the platform is reliable, and the loan is ok, but the borrower needs to repay the loan on time and bear the corresponding interest, and the interest rate of the platform is what the borrower needs to pay attention to, and the interest rate is the purpose of the platform to achieve profitability, so the borrower must calculate the interest rate and repayment interest when borrowing from the platform. Don't dwell on some small rules of the platform. Although there are no problems with the platform and the company at present, there may be some small rules that are problematic. Because these small rules are artificially customized, since they are human factors, borrowers here need to carefully read the loan terms and repayment regulations when borrowing money. Only in this way can the borrower be prevented from falling into a routine, thus causing the borrower to suffer losses for unknown reasons.
I hope more investors will speak enthusiastically in the message area to discuss and grow the future together!
The financial business of China Merchants and China Unicom is a bit powerful in lending. If you can't go to work because of the epidemic, you can get a loan immediately. Ruthless.
Formal is formal, but the interest rate is higher than that. Generally, it is about 20%. If you can bear the interest, short-term use is ok, and long-term use is not recommended. In other words, you can use your credit card for a short period of time, and it will be interest-free for forty or fifty days. You don't need to borrow this.
Zhaolian Consumer Finance is a legal and compliant formal consumer financial institution approved by China Banking Regulatory Commission. The loan products launched are also legal and compliant from the interest rate point of view, and do not exceed the relevant regulations. The loan product of Zhaolian Consumer Company is a formal platform.
Recruit joint consumption?
For many people, they only know the Internet lending platform of Zhaolian Consumer Finance, but they don't know the organizational structure of the company. Here, let's talk about Zhaolian Consumer Finance, which institutions were established.
I believe everyone is familiar with China Unicom and China Merchants Bank, which are national commercial banks. Zhaolian consumer finance is actually the consumer finance jointly established by the above two companies. The company is registered in Qianhai, Shenzhen, with a registered capital of 2 billion yuan, and both shareholders hold 50% of the shares. Wang Xiaochu, chairman of China Unicom Group, served as the company's chairman, and Tian Huiyu, president of China Merchants Bank, served as the company's vice chairman.
Is the lending product compliant?
At present, Zhaolian Consumer Finance has launched two loan products: good term loan and credit payment. The average interest rate of both products is within 36%, but the interest rate is not fixed. Interest rates fluctuate with applicants and individual credit reporting agencies. They are all credit products, because the risk control system of China Merchants Bank is behind, and the interest can be calculated on a daily basis.
However, judging from the epidemic situation, Zhaolian consumer finance is not too humanized. Although users are given a certain delay in repayment, it is only a three-day grace period, which is not allowed for users whose bills are overdue. Consumer financial institutions launched by China Unicom and China Merchants Bank, one of the three major operators, should not be too capricious during the epidemic!
To sum up, although Zhaolian Consumer Finance is a formal institution, it is not recommended to use it frequently in the process of use, because once the product is used, it will be queried and reported to the central bank for credit information, and frequent use will affect personal credit information records.
This platform has been blacklisted on 3 15, which is very unreliable. Attract customers under the banner of China Merchants and China Unicom. Many people reacted, shutting down the circulation belt without authorization, and illegally collecting money was serious. I suggest you be careful.
Of course it is reliable!
However, it is not recommended!
Go and see the complaints: they also come from all kinds of violent collections and threats!
But also on the credit, once, once recorded!
Will pull your credit to the lowest!
It may be difficult to buy a house with a loan later, but buying a car is probably ok [laughs] [laughs] [laughs]
Is Zhilian Financial Loan Reliable?
Zhaolian Finance is a formal lending platform.
Zhaolian Finance is a formal financial consumer company jointly established by China Merchants Bank and China Unicom.
Zhaolian term loan bears interest on a daily basis, and the daily interest rate is about 0.045%. The interest of Zhaolian Finance 20000 is 3600 yuan a year. Calculation method: Take the daily interest rate of 0.05% as an example, and the annual interest is: 200,000.05% 360 = 3,600 yuan.
Zhilian financial loan is for credit investigation. Like only a few licensed consumer finance companies and banks in China, loans are subject to credit investigation.
There is no grace period for Zhaolian Finance. Users who repay after the repayment date are considered overdue. However, Zhaolian Finance may not upload overdue records in real time.
When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;
4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.
Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.
Click on the online measurement of the small amount of the full amount of flower difference (the second batch).
There are licensed small loans in the market, such as Du Xiaoman, Zhong 'an Small Loan, 360 IOU, Pat Loan, Foreign Currency Pot, Provincial Loan, Micro Loan, Lending Treasure, Staging Music, Banyan Tree Loan, Jingdong Finance, Ping An Pratt & Whitney, Mashan Finance and its bank small loan products. I have used several products in business turnover before. In fact, small loan platforms have internal application entrances, with low interest and convenient payment. Share it with those in need and scan the QR code below to enter!
Another answer is good: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service life is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.
Is it reliable to recruit financial loans?
Although Zhaolian Finance is formal, it is not particularly reliable. Formal loan platforms usually don't charge pre-loan fees for any reason, so be vigilant when encountering them. If you need money urgently, you can consider using loans to relieve the pressure, and at the same time try your best to make money. There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
Zhaolian Finance is a formal online loan company. Nevertheless, I personally don't recommend users to apply for such loan products.
The reason is also very simple. At present, almost all products on the market belong to the category of products. Although these products do not have such high interest rates on the surface, the annualized comprehensive service interest rate is very high, which has far exceeded the bank loans and bank credit cards that we often mention.
Zhilian Finance is more formal. At present, all loan products on the market are basically formal, and those that are not compliant have closed down. The purpose of saying this is not to encourage everyone to apply because the water is too deep. Many users are very short of money, and their financial situation will only get worse after applying. For users, applying for products is a means to quench thirst by drinking poison. 、
All online loan products are unreliable. Online loan products are very good at restraining borrowers, but they are not so reliable in application and implementation. In short, users will feel very convenient when applying for online loan products, and the next payment will be very fast. However, when users apply, they will find that the contract content is basically biased towards the online loan company, which is more difficult for users. For many users who apply for online loans, the contract of online loans will not be read, which will bring huge financial risks.
You can seek formal loan channels. Generally speaking, I personally recommend bank channel loans. The qualification requirements of bank channel loans will be higher, but the loan process and service rate are very formal. Many users may not meet the requirements of bank loans. For this kind of users, I suggest that such users start from their own side first and try not to touch the so-called ones, because this will only make your debt higher and higher, and finally make you difficult.
To sum up, even if Zhaolian Finance is formal, it is still unreliable.
Is Zhilian Finance Reliable?
Zhilian Liangyuan Loan is true, safe and reliable.
Zhaolian Good Term Loan is a product of Zhaolian Finance, a consumer finance company jointly established by China Merchants Bank and China Unicom with the approval of China Banking Regulatory Commission.
Good term loan is a consumer loan product for young white-collar workers. No mortgage, no guarantee, very convenient, providing fast online loan service. Users can get the support of good loans quickly whether they are home improvement, education, tourism or buying large furniture and electrical appliances. Good loans are mainly for the working class, meeting the needs of decoration, study abroad, travel and online shopping for large items.
There are licensed small loans in the market, such as Du Xiaoman, Zhong 'an Small Loan, 360 IOU, Pat Loan, Foreign Currency Pot, Provincial Loan, Micro Loan, Lending Treasure, Staging Music, Banyan Tree Loan, Jingdong Finance, Ping An Pratt & Whitney, Mashan Finance and its bank small loan products. I have used several products in business turnover before. In fact, small loan platforms have internal application entrances, with low interest and convenient payment. Share it with those in need and scan the QR code below to enter!
Extended data:
Credit payment is mainly used in recruiting its own e-commerce platform and cooperative merchant consumption scenarios. It can provide users with fast, safe and convenient internet credit payment methods, and can apply for online closure, instant approval, overdraft consumption and so on. And enjoy up to 40 days of interest-free payment and up to 60 installments.
Sporadic flowers are aimed at young people, including students and office workers, and are positioned to meet the reasonable consumption of young people's monthly disposable range. Open the main functions such as cash advance, installment shopping and installment education and training. In the future, Zero Flower will further expand consumption scenarios such as learning and education, purchasing Unicom contract machines, and connect with more high-quality e-commerce companies to meet the mainstream shopping needs of young people and provide them with more fashionable, convenient and caring services.