1. Cai Xi Loan: Cai Xi Loan APP is a small loan that can provide all-round loan services for black and white credit users.
2. Mi Mi Loan: Mi Mi Loan is a micro-loan APP that does not look at credit information. Loans of up to 5,000 yuan can be provided with a term of up to 6 months and a minimum of 1 month, with a daily interest rate of 0.3%.
3. General credit: General credit is a small loan APP that does not look at the central bank's credit information but will look at the sesame credit score. The maximum loan amount of this project is 30,000 yuan, and the minimum loan amount is 700 yuan, and the term is usually 7 days.
4. Money shopkeeper: Money shopkeeper is also a kind of small loan that can be easily paid without looking at credit information. Can provide you with the highest loan of 1 10,000 yuan, the longest term is 30 days, and the daily interest rate is 1.4%.
5. Money has a way: Money has a way to be a small loan APP, which can be easily repaid without looking at credit information. This software can provide loans of 500-2000 yuan for everyone.
Loans overdue disposal process:
First, extend, borrow the new and return the old, and reorganize. For overdue loans, after investigation, if the bank determines that the borrower still has enough repayment ability in the future and the current difficulties are only temporary, then the bank will generally extend the loan or borrow the new to repay the old. If the problem is more serious or the return is still difficult although the future can be improved, the applicant will be allowed to solve it through reorganization. For example, the original guarantor operates normally, the guarantor assumes the debt, and the applicant becomes the guarantor.
Second, the loan is settled. For the mortgaged goods for which the loan has not been paid, the bank will repay the loan by auctioning the mortgaged goods; For the guarantee, the bank will repay the loan by urging the guarantor to collect it; For pure creditor's rights, it is theoretically a loss, but after the actual bank is sued by the court, if the other party still refuses to return it, it can also apply for compulsory execution of the assets under its name.
Third, loan transfer. No collection can guarantee that the loan can be fully recovered, such as the collateral being sold or the guarantor running away. Some non-performing loans that cannot be disposed of and recovered for a long time will generally be transferred to the four major asset management companies, and the transfer loss is large. The normal transfer amount is 2-3 times the book amount of overdue loans. After the transfer, the bank has no connection with the loan, and the creditor of the loan will be transferred to an asset management company.
operating environment
Credit 6.6.4
Money 1.9.3