Wing Long loan safety guarantee
Once overdue, the principal and interest is guaranteed
When the borrower is overdue for more than 30 days, the system will automatically complete the purchase of debt, and protect the principal and interest of investors.
Transfer of creditor's rights
The user may carry on the creditor's rights transfer, the Quick Recovery fund, the investment is nimble, does not need to worry the longer capital lock period.
O2O model of the same city
Wing long loans in the country's first "with the city O2O" lending mode, will be "online information matchmaking" and "Offline risk control" perfect combination.
Wing long loan wind control system
Pre-credit: Local operations Center to investigate the borrower's borrowing use, repayment ability, family situation, comprehensive ability, operating conditions.
Credit monitoring: The Operation Center during the performance of the loan contract to monitor the borrower, mainly reflected in the use of funds monitoring and whether the borrower's normal operation of two aspects.
Transfer of overdue creditor's rights: when the borrower is overdue for more than 30 days, the wing Dragon Loan will be automatically issued by the system notice of the transfer of rights. If the lender does not revoke the transfer of the creditor's rights within 10th, the system completes the acquisition of the creditor's rights automatically, which will be transferred to the Operations Centre (by the Operation Center for late collection). The investor may normally charge the interest on the period of overdue start to the creditor's rights acquisition.
Headquarters risk allocation: When the site runs a system problem, the risk of the headquarters by the provision of funds to advance.
The Wing Dragon Loan strictly follows the net loan platform four red lines
Be clear about the intermediary of the platform
Clear that the platform itself shall not provide security
Do not engage in capital pool
No illegal absorption of public deposits
Legal guarantee of the wing-long loan
The legality of private loan between investors and borrowers
The legality of the provision of intermediary services by the Wing Dragon Loan
The legality and enforceability of electronic contract
The legality of the proceeds of loan and financing obtained by the investors in the wing Dragon loan
We use the MD5 security encryption technology, effectively protect the user account security;
Wing Lung loan technical team members from the domestic first-class large internet companies and financial companies of the core departments, for network data security, concurrent transaction request processing, fund hosting and payment business and other core technologies have a wealth of practical experience, the ability to maximize the protection of investors and borrowers online funds security.
How to borrow money from the wing Dragon Loan
What is the normal debit flow?
1, into the "My Account"-"I want to borrow"-"I want to Borrow", click "Qualification", for mobile phone certification and identity card and borrow to become a loan.
2, fill in the loan amount, the detailed loan reason and the loan details, can publish the loan on the net.
3, your loan progress completed 100%, your personal data will enter the final audit, (may require you to upload some necessary information). If your identity is met, the approval is approved and the loan is transferred to your account. At the same time, the system will automatically generate an electronic IOU, and email to the lender and the loan person
4, for your good credit please pay on time, the system will be in advance to send you a repayment reminder.
What is the process of applying for a public interest loan?
1, enter "I want to borrow"--"public welfare"
2, fill in the application for public Interest loan content-click on "Application" will prompt "successful application, please wait for System Audit" dialog box--Waiting for review
Terms of loan for wing-long loan
How do I apply to be a loan person?
Click on "My Account"-"my debit", according to the prompts, fill out the appropriate information, as complete as possible. Through the "mobile phone Authentication", "Identity card Authentication" is the most basic condition to borrow. In addition, if through the "Education certification" and "video certification" will increase your credit rating, score, improve your loan success rate.
How do you increase your chances of success in your loan?
In order to improve the chances of success of the loan, users are advised to note the following points:
1. As many as possible to carry out a variety of certification, improve credit;
2. Upload real photos or video materials as much as possible to improve the credibility;
3. Clarifying the use of borrowings;
4. To respond promptly and amicably to questions raised by the lenders;
5. The amount of borrowing is slightly lower than the personal credit limit;
How to repay the Wing Dragon loan
1. The borrower keeps in mind the repayment time as stated in the electronic IOU.
2. Regularly log in to the website account to view repayment progress.
What about the long-wing loan overdue?
Depending on the seriousness of the circumstances, make corresponding treatment
If the borrower or enterprise in the repayment period fails to return the preceding paragraph, should take the initiative to contact Customer service, explain the situation encountered what difficulties, and put forward a written application, the two sides jointly resolved, to discuss. Instead of making the wrong move, we will transfer your claim back to the vast majority of investors.
How long will the Pterodactyl be credited?
Time to bring in the account
Note: The above schedule does not apply to the following two situations:
(1) The part of the investment in the recharge 60 days (excluding 60 days) of the present: Do the original road return (back to the original Recharge bank card), to the account time is 1-7 working days.
If you encounter the order number or bank direct connection problem caused by the failure of the delay to account, please contact customer service to provide recharge bank card information for Third-party manual operation.
(2) national legal holidays to mention : due to statutory holidays, Third-party Payment platform does not accept the business, to account time reference website notice.
How much do you charge for the Wing Dragon loan?
after the investment or after the success of the loan to bring: industrial agriculture, construction, recruitment ≤ 50,000/2 yuan, 50,001 billing units, other banks ≤ 20,000/2 yuan, 20,001 billing units.
non-investment part of the recharge within 60 days (excluding 60 days) : No investment in a part of the number of refill * 2 yuan.
the investment part in the recharge 60 days after the deposit: The amount of investment *0.15%+ workers, agriculture and construction of the recruit ≤ 50,000/2 yuan, 50,001 billing units, other banks ≤ 20,000/2 yuan, 20,001 billing units.
What to do if the wing Dragon loan fails to present
Taking the present request for approval does not mean that the cash will be transferred to the bank account. May also have the possibility of being refunded. There are several reasons for the refund:
1, the account bank information is wrong
2. Wrong bank information
3, account number or user name is wrong
4. Abnormal account status
5, the account does not exist
6, the account does not exist or abnormal state
7. Wrong account type
8. Incorrect account number
9. Illegal account
10, the user name is wrong
11, the card number is illegal or does not exist
12, account has been sold households
13, the account does not pay a small account management fee
14, because the customer name does not match
Failed to mention, the funds will be returned to the user's fund account in time. Modify the possible problems and then mention them again.
How to bring up the wing Dragon loan
In my account, click on the present, submit the present application, after the application, waiting for the account.
