; ? With the improvement of people's safety awareness, consumer finance companies with formal loan licenses have attracted more and more attention from borrowers. Among many consumer finance companies, BOC's consumer finance is well-known and relatively high. Some friends are very interested in BOC consumer finance, and want to know what loan products BOC consumer finance has. Today, I will introduce the relevant contents to you.
According to the official introduction of BOC consumer finance, there are many loan products of BOC consumer finance, involving consumption, operation and other aspects. Bank of China consumer finance loans can be roughly divided into three parts, namely credit loans, merchant-specific loans and Internet loans. Details are as follows:
Unsecured/credit loan
There are two main products of credit loans under BOC Consumer Finance, one is pure credit loan "credit loan" and the other is real estate mortgage loan "Lexiang loan".
Merchant-specific loan
There are seven types of merchant-specific loan products, namely: (1) education-specific loans; (2) Skill-specific loans; (3) special loan for decoration; (4) special loan for learning to drive; (5) exclusive loans for renting houses; (6) Wedding-specific loans; (7) Owner-specific loans.
Network loan
BOC Consumer Finance has six Internet loan products, namely: (1) Xinyi Loan-Microfinance; (2) Credit Easy Loan-Apple score; (3) Staging of education cloud; (4) also; (5) credit set sail; (6) BOC consumer wallet.
These are the loan products of BOC Consumer Finance, which can basically meet everyone's daily shopping, decoration, study and other needs.
What are the loan products of BOC Consumer Finance?
First of all, answer directly.
There are many consumer finance loans, such as Gitzo consumer finance commodity loans and consumer loans, instant consumer finance comfort loans, good-term loans for consumer finance, full-time loans and privileged loans for Xiaoman Finance's rich flower platform, Suning Finance's willful loans, Jingdong Finance's gold bar loans, Ant Financial's loan treasures, and Lexin's installment music.
Second, the specific analysis
In addition, other consumer finance institutions also provide various credit consumer loans, such as Zhongyuan Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Yin Chang Consumer Finance, Huarong Consumer Finance, Yin Hang Consumer Finance, Jinshang Consumer Finance, Shengyin Consumer Finance and Happiness Consumer Finance.
As long as more attention is paid to maintaining personal good credit, there is no bad record in the credit report; And can provide stable income proof, have the ability to repay on time, and generally can successfully borrow money from the above-mentioned consumer financial institutions.
Of course, if the credit is bad, you can't borrow money temporarily.
It should also be noted that there are many unknown small loan platforms in the loan market. Although the application threshold is low, it is not recommended to borrow money because there is no financial license.
When people use the central bank's credit records, they will leave traces of inquiry, which is not good for lending friends, and most online loans are not credit-seeking, so they can't find specific online loan information when they are credit-seeking, but now they can learn their personal data through "Beijian Quick Search" data, and at the same time, they can learn more information about overdue information, application records, untrustworthy information, blacklists and so on of online loans without leaving traces.
3. What are the uses of consumer loans?
There are mainly the following kinds.
1, buy furniture and appliances
Such as TV, refrigerator, sofa, bed, wardrobe, tables and chairs, air conditioner, water heater, etc. It can also be used for home decoration.
Step 2 buy a car
In the use of consumer loans, it is ok to buy a car, but it cannot be used to buy a house.
Step 3 use it for education
For example, studying abroad and re-education after employment. The loan funds can be used to pay tuition, accommodation and living expenses.
4, used for marriage
For example, hire a wedding company, hold a banquet, buy a wedding dress, buy jewelry and so on. You can apply for a consumer loan if the short-term expenses are large.
Step 5 travel abroad
It can be domestic tourism or foreign tourism. The longer the planned travel time, the greater the demand for consumer loans.
6. Medical beauty
Medical treatment refers to all kinds of medical treatment for colds, diseases and accidents. Medical beauty generally refers to the treatment and plastic surgery of the mouth and eyes.
7. Purpose of production and operation
For example, if the demand is small, you can also apply for consumer loans for production and business purposes such as expanding the factory building, purchasing business equipment, purchasing raw materials, and accounting turnover.
8. Other daily consumption
For example, shopping for dinner, buying food and cooking, buying clothes and shoes, paying utilities, transportation and other basic expenses of daily life.
Note that consumer loans are explicitly prohibited, that is, they may not be used in areas prohibited by law such as house purchase and investment.
How many loan platforms does BOC Consumer Finance have? These three are core loan platforms!
; ? In China, inclusive finance has been developing for some time. During this period, many outstanding companies stand out, and BOC consumer finance is one of them. As the inclusive finance platform of China Bank, the service level of BOC consumer finance is relatively good. Many people want to know how many loan platforms BOC Consumer Finance has. I am here to answer your questions.
There are three loan platforms for BOC consumer finance, namely BOC consumer finance, BOC consumer wallet and Xinyi-microfinance.
These three loan platforms have their own characteristics, so let me introduce them to you here.
China Bank Consumer Finance
BOC Consumer Finance is a comprehensive loan platform, which can provide you with many loan products, such as credit loans, music loans, education loans, skills loans, decoration loans and so on.
China Bank Consumer Wallet
BOC Consumer Wallet is a platform that can help people spend online and offline. After you get the loan amount, you can spend it directly online or in the store online.
Conditions for using BOC consumer wallet: (1) Mainland citizens aged 20-60; (2) Have a stable job and income source; (3) No bad credit record.
Xinyidai-micro-credit loans
Xinyi Loan-Micro-loan is a loan platform created by BOC Consumer Finance for office workers. The maximum loan amount is 20,000 yuan, which can be repaid in installments without the borrower providing mortgage and guarantee.
To sum up, BOC Consumer Finance mainly has three loan platforms, which can meet everyone's various loan needs.