Never go to Jincheng, it's just a liar company. About 8%, annualized rate 18, hundreds of thousands a year, 90% is interest.
Don't go to Jincheng for a loan
2. Chengdu Bank Jincheng Consumer Finance Effective Co., Ltd. handles installment payment for buying mobile phones. ...
In the absence of any warning, this company has no idea why it is overdue, and it has a great impact on personal loans because it has been reported by the People's Bank of China. Not in this company. Poor service attitude of personnel.
3. Is the loan of Sichuan Jincheng Consumer Finance Company reliable?
Not reliable.
Growth, expanding domestic demand and structural adjustment "refers to measures to promote consumer demand and economic development." In August, 2009, China Banking Regulatory Commission officially issued the Measures for the Pilot Management of Consumer Finance Companies, and identified Beijing, Tianjin, Shanghai and Chengdu as four pilot cities in China.
20 10, 1016 October, China Banking Regulatory Commission officially approved Chengdu Bank to establish Sichuan Jincheng Consumer Finance Company. Chengdu became one of the first three cities approved to set up consumer finance companies, and the other two cities were Beijing and Shanghai.
Product characteristics
The consumer finance services provided by Sichuan Jincheng Consumer Finance Company have the following five characteristics: generally ranging from several thousand yuan to tens of thousands of yuan, the minimum loan amount is 850 yuan, and the maximum loan amount will be five times the payer's monthly income level according to the applicant's repayment ability and credit history.
2. Fast approval speed: the approval result will be issued within 1 hour at the earliest.
3. Flexible loan term: customers can choose to repay by installments according to their own conditions, and the longest repayment period is no more than 3 years.
4. No mortgage guarantee is required: the loan applicant does not need any mortgage or guarantee when applying for a loan.
5. Flexible service mode: In addition to normal working hours, service hours can cover after work or weekends, and consumers can apply at the consumer site.
First, the loan object
Sichuan Jincheng Consumer Finance Co., Ltd. was initially positioned as a young low-and middle-income group with stable income. In product design and service promotion, users provide personal durable goods to meet the financial needs of urban and rural residents in household appliances, tourism, weddings and other aspects. Commercial banks can not benefit from consumer financial services, nor can they meet the living standards of low-and middle-income groups at different levels.
Second, the loan interest rate.
Unlike mortgages and car loans with relatively fixed interest rates, consumer finance and credit have no "fixed" interest rate standards. According to the relevant measures introduced before, each loan is paid by a consumer finance company at an interest rate not exceeding 4 times the central bank's loan interest rate for the same period. If the number of loans is more and the credit history is better, the interest rates of subprime borrowers are not consistent. Even if you buy the same commodity with the same loan term, you will have different interest rates due to information such as loan income certificate. The lowest one-year loan interest rate is the benchmark interest rate, that is, 5.3 1%, and the highest one is four times the benchmark interest rate, that is, 2 1.24%.
Third, the handling place
Sichuan Jincheng Consumer Finance Co., Ltd. has signed cooperation agreements with Chengdu Suning Appliance Co., Ltd. and Longxiang Communication Co., Ltd., and the sales requirements of all Suning Appliance stores and Longxiang Communication in Chengdu will be handled as soon as possible. In other words, citizens can stay in any Suning in the city and want to buy goods.
Fourth, the loan process.
The loan applicant only needs to fill in a simple application form in the store, attach identification documents and income certificates, and be audited by the credit auditor of the consumer finance company to determine his repayment ability. After the approval, consumers, consumer finance companies and stores sign an agreement, and consumers can get consumer financing on the spot, and they can pay it as soon as 1 hour.
Verb (abbreviation for verb) Other business
In addition to personal consumption loans, the business of Sichuan Jincheng Consumer Finance Company also involves credit asset transfer, domestic interbank borrowing, borrowing from domestic financial institutions, issuing financial bonds with approval, consulting and agency business related to consumer finance, acting as an agent to sell insurance products related to consumer loans, and investing in fixed-income securities.
4. How to repay the loan of Sichuan Jincheng Consumer Finance Company?
This company's service consciousness from the system background to the front desk customer service is extremely backward! My friend paid back the loan on time, but was urged by the phone to say that he had not paid it back.
Customer service calls are made hundreds of times before they are made once. Through the customer service staff, the tone was blunt and cold, saying that the system should be retired one day in advance, which was not clearly written in the rules. In fact, my friend returned it two days in advance, and the system couldn't die, saying it would be settled at the end of the year. That's disgusting! Do you want to continue using this service? Customers will be scared away by this bad service sooner or later! My friend is going to repay the service of Jincheng Consumer Finance Company. Those who apply for installment payment in Chengdu are advised to choose carefully!