Sichuan Jincheng Consumer Finance Company, as the first batch of consumer finance companies approved by China Banking Regulatory Commission, has no doubt about its strength. At the same time, compared with online lending, the loan interest rate of financial consumer companies is more reasonable and the operation is more compliant. You don't have to worry about the bankruptcy and routine of consumer finance companies, because bankruptcy of consumer finance companies funded by banks is very rare.
Company background
Sichuan Jincheng Consumer Finance was jointly established by Chengdu Bank and Hong Leong Bank of Malaysia with a registered capital of 1 100 million yuan. Chengdu Bank holds 565,438+0%, and Hong Leong Bank of Malaysia holds 49%. It is the first batch of consumer finance companies approved by China Banking Regulatory Commission.
Product characteristics
The loan products of Sichuan Jincheng Consumer Finance mainly have the following characteristics:
1, mainly providing small loan products.
2, the fastest one hour out of the audit results.
3. The loan period is flexible, up to 3 years.
4. No mortgage or guarantee is required.
You can apply for a loan at any time, not necessarily during working hours.
Potential borrower
The loan target of Sichuan Jincheng Consumer Finance is mainly young middle-and low-income people with relatively stable income. The main purpose is to provide personal durable goods consumption loans and general consumer goods loans for this group of people.
loan rate
The loan interest rate of Sichuan Jincheng Consumer Finance has no fixed value and will be determined according to the borrower's risk level. The more loans, the better the credit record and the lower the interest rate. At the same time, the loan interest rate will not exceed 4 times the central bank interest rate in the same period.
Generally speaking, Sichuan Jincheng Consumer Finance Company is a formal and compliant consumer finance company. When choosing its loan products, we should pay attention to it. Since the bank is a lender, it will definitely check the credit information when applying, and the loan record of successfully applying for this loan will also be recorded. Therefore, if you successfully get the loan from Sichuan Jincheng Consumer Finance Company, you must repay it in time to avoid the overdue records being recorded in your personal credit report.
Which bank does Jincheng Consumer Finance belong to?
Jincheng Consumer Finance is owned by Chengdu Bank and Hong Leong Bank of Malaysia. According to relevant public information, Sichuan Jincheng Consumer Finance Co., Ltd. was jointly established by Chengdu Bank and Hong Leong Bank of Malaysia with a registered capital of 320 million yuan, of which Chengdu Bank holds 565,438+0% and Hong Leong Bank of Malaysia holds 49%. 438+0 On March 65, 2065, at 438+00, Sichuan Jincheng Consumer Finance Company was formally established and took the lead in opening in the first batch of pilot cities in China.
Can Jincheng still get a loan after paying off the consumer finance?
In the absence of default and other loans, loans can be made.
Jincheng is not a bank, but its full name is Jincheng Consumer Finance Co., Ltd.
Jincheng Consumer Finance is a non-bank financial institution jointly sponsored by Chengdu Bank and Hong Leong Bank. Founded on 20 10, it is the first batch of pilot consumer finance companies in China.
As the first batch of licensed consumer finance companies in China, Jincheng mainly has offline credit products for housing loans, and has also launched online loan products in recent years.
Jincheng is a consumer finance company, not a bank. That is, non-bank financial institutions.
How about Jincheng consumer loan mortgage? A mortgage multi-person loan!
Jincheng Consumer Finance Company is a listed financial company in Sichuan, with the background of being jointly established by Chengdu Bank and Hong Leong Bank of Malaysia. Jincheng consumer loan can not only provide pure credit income loans, but also provide mortgage loans for users with only assets, and obtain higher quotas and lower interest rates. Then, what about the mortgage loan of Jincheng Consumer Loan? Let's get to know each other.
Target group: For the mortgaged house, the owner of the mortgaged house can refinance the loan without paying off the previous loan. The immediate family members of the property owner (including the mortgagor's parents, children and spouses) can also apply for loans at the same time.
Loan amount: the maximum loan amount can reach 90% of the house appraisal, and the maximum personal loan is 200,000.
Loan interest rate: The mortgage did not give a specific loan interest rate, but official website introduced that the minimum loan cost would be lower than that of 900 yuan.
Loan term: the loan term is long, which can be as long as 60 months, that is, up to 5 years, and the monthly repayment pressure will be relatively small.
Characteristics of Jincheng Consumer Loan Mortgage Loan;
1, the loan is relatively easy, you can mortgage multiple loans at one time, and you can get more loan quotas.
2. After the bank has handled the first-class mortgage loan, it can handle the second-class mortgage loan in Jincheng Consumer Finance, so that the assets can be used more.
3. Mortgaged houses/mortgaged houses can be mortgaged again, and asset utilization is more flexible.
Regarding "how about Jincheng consumer loan mortgage", here is a brief introduction to you, mainly introducing the basic loan information of mortgage loan and its three characteristics. You can try it if you have financial needs!