Good staging is to check credit, not credit. Lending requires providing a self-inquiry report from the People's Bank of China.
Extended answer:
1. Good Staging is a professional consumption staging APP under Cai Weiqi, which has maintained an industry-leading growth rate since its launch. With the brand mission of "protecting young people's lives and helping them grow", Good Staging provides consumer financial services such as credit loans and e-commerce staging for young and high-growth users with strong technical strength, excellent risk control ability and professional talent reserve and innovation ability, and is committed to becoming the first choice for consumption staging for hundreds of millions of users.
Good staging is a comprehensive app for online staging shopping and cash lending for young Internet consumers, which is dedicated to exporting capital solutions for Internet users. Users only need to operate on the good staging APP to complete the whole process of the product. In fact, it is a good staging before. During this period, the system was upgraded and officially renamed as Good Staging.
At present, there are two open application modes, one is cash installment and the other is credit card repayment mode.
2. Good installment application process
Application method: download the installment APP by mobile phone (Apple 12, ios 14 and above).
Whether to inquire about credit: the credit report inquired by the People's Bank of China is required.
Did you call back: Yes, I will call back.
Application conditions: 23-60 years old, the real-name registration system has a mobile phone number, preferably a loan, micro-loan or ordinary credit card.
Required information: real-name authentication, face recognition, personal basic information, credit card or loan, micro-loan and contact information.
Operating steps:
Download the mobile phone by stages, register the login account-on the homepage of Good Staging, select the mode you want to apply for (here, take Good Loan as an example)-enter the perfect information, follow the steps to improve the relevant information, and submit it for review.
3. Applicable amount: up to 50,000 yuan.
Average appropriation: 8000- 15000.
Service life: 3,6,9, 12.
The minimum daily interest rate is 0.04%
4. Borrowing steps
Open the APP: Click "Free Quota" on the homepage of the APP.
Access rights: Fill in the information access rights and click "Withdraw Cash Now".
Cash withdrawal immediately: fill in the loan information and click "Confirm Loan" to realize the collection.
Do you still pay the credit report in installments?
It's not just a phased credit investigation. Staging is also an online loan launched by Ningbo Kaiying Internet Co., Ltd. Although there is no credit information in staging, when the borrower applies for a loan on the staging platform, he will inquire about the online credit certification of the borrower in staging.
With the advantages of convenient application and quick loan, online loans are favored by borrowers. However, due to the short time of online lending, there is a lack of effective supervision. This has led to the emergence of many problematic online lending platforms. Borrowers should pay attention to screening when applying for loans.
(1) Correctly distinguish the publicity of online lending platforms. In order to gain more users, many online lending platforms have made false propaganda to consumers. For those online lending platforms that advertise "zero-interest loans" and "loans only need ID numbers", borrowers should stay away from them.
(2) Check the background and reputation of the online lending platform. Now many banks and well-known enterprises have also launched their own online lending platforms, and borrowers should try to choose these online lending platforms with good background and reputation. Because these online lending platforms have a good reputation, the loan fees are also reasonable.
(3) Calculate the borrowing cost. When applying for online loans, borrowers should figure out what fees are charged by the loan platform. Many loan platforms will reach high-interest loans in disguise by charging fees. Don't apply for a loan on an overcharged online lending platform, so as not to bear excessive repayment pressure.
(4) Don't pay any fees before the loan arrives. All formal loans will not charge the borrower any fees before they are issued. If a loan platform requires users to pay fees before issuing loans, then this platform is likely to have problems.
Do you need to check the credit information now?
If a bank or financial institution loans by installments, the lender needs to check the borrower's credit status to determine the borrower's repayment ability.
According to Article 18 of the Interim Measures for the Administration of Personal Loans, the loan review shall comprehensively review the legality, rationality and accuracy of the loan survey, focusing on the due diligence of the investigator and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.
Extended data:
Interim Measures for the Administration of Personal Loans Article 41 Where a lender handles personal loan business in violation of these measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. Under any of the following circumstances, the China Banking Regulatory Commission may take the regulatory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China:
(1) Failing to investigate and review the loan due diligence;
(2) Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required;
(3) The terms of the loan contract have not been publicized;
(four) in violation of the provisions of article twenty-seventh;
(five) payment management does not meet the requirements of these measures.