As a personal credit loan product under Ningbo Bank Co., Ltd., "Ninglaihua" strictly abides by the national financial laws and regulations, has been connected to the credit information system of the People's Bank of China, and meets the requirements of the national regulatory authorities in terms of loan interest rate, application process and service content.

"Ning to China" is characterized by pure credit loans and no mortgage guarantee, providing safe and convenient online financial services for qualified individual customers. The application conditions include age limit, mainland household registration requirements and good personal credit record. And the loan interest rate is within a reasonable range. For example, the minimum annual interest rate can reach 3.6%, and the maximum does not exceed the statutory upper limit.