What kind of online loan is Harbin Harbin Bank Consumer Finance?

Harbin Consumer Finance is a consumer finance company of Harbin Bank. It is a licensed financial institution approved by the China Banking Regulatory Commission and can provide users with online loans. The main loan products of Harbin Consumer Finance are card loans, Youxiangdai and Yixiangdai. According to different loan needs, it can be used for personal education, decoration, travel, wedding and other consumer needs. The application threshold is relatively low, and borrowers can apply if they have good personal credit and basic application materials.

Youkadai is a loan product specially designed for credit card owners. The annualized minimum loan interest rate is 12.95%. At present, Harbin Bank of China consumer finance card loan adopts the equal principal and interest repayment method, and the number of installments is 3, 6, 12, 18, and 24.

Youxiangdai is a purely online loan application. The better your credit, the lower the loan interest rate, which can be as low as 10%. Youxiangdai adopts a progressive repayment method, with a monthly repayment of 2% of the loan principal and interest.

Yixiandai is an installment shopping loan. The loan interest rate is not only related to the borrower's own comprehensive credit, but also related to the products the borrower purchases.

If you have capital turnover needs, it is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018 ”), big brands are reliable, have low interest rates and are trustworthy. Money to spend - Manyidai, the loan limit is up to 200,000 (click on the official free test limit), the daily interest rate is as low as 0.02%, with easy application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest fees, and safety Strong characteristics.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

Online loans are risky, so be careful when choosing!