Micro-letter particle loan How come there is no micro-letter particle credit amount?

Micro-letter particle loan how did not

A netizen has exposed the picture which allegedly comes from the Tencent Security Department staff, among them in the micro-letter "wallet" displays has "the particle loan borrows money" the service. we are searching for the micro-credit "particle loan", which shows that "particulate loan is about to open", it seems really not far.

It is understood that "micro-credit" is through the "white list" mechanism to screen out the first batch of the most consistent with the "particle loan" customer positioning User (Tenpay has been tied card), mainly in the micro-and Tencent internal mainly. in the customer's maximum approval, between 20,000 to 200,000 yuan, 15th to the account, interest five out of 10,000, the annual rate of about 7%-18%, lower than the credit card.

The micro-credit is "I-wallet-bank card-borrow money", the user can take the initiative in the micro-letter to view, at the bottom of the card list with the "borrow money" entrance of the user is invited users. At present, respectively, in hand Q and micro-letter two channels online, for a natural user to provide a unified credit line, in two channels have opened the particle loan users, in the hand Q and micro-letter can borrow money, but two of the total amount of loans on the platform must not exceed the particle credit limit

Attached: Recently, FAW Toyota and micro-public banks in Beijing to hold a press conference, the two sides announced that the financial management and car consumption in the Internet platform for Cross-border integration, to create a mobile internet era of the new car consumption model, to help more consumers easily realize the dream of a car race.

In the field of automotive finance, FAW Toyota adhering to the "customer first" concept, financial products continue to introduce new, to meet consumer demand for cars, car use, 2015 financial penetration rate of up to 33%, to maintain the industry leader. Micro-letter and the use of small-cell phone QQ Two super portals, touch up to hundreds of millions of mobile internet users according to data analysis, its own high reputation of white list users, and FAW Toyota compact target consumer group matching degree is very high. According to the particle loan related people, through its online loan function, the maximum amount of loans up to 200,000 yuan, in 15 minutes easy to account. FAW Toyota's own many financial preferential policies on the basis of, coupled with the rapid and convenient particle lending to the mobile end of the way, no doubt for FAW Toyota's customers to bring the largest financial car support.

How much is the micro-letter particle loan Amount

"The algorithm is more complex, and we rely mainly on the social data that Tencent has accumulated over the years and the personal credit data of the central bank," he said. Huang Liming, vice president of the minority bank, said.

"In addition to personal credit, social data accounts for a significant part of our scoring system," said another insider at a micro-bank. No matter in the micro-letter or on the hand Q of the ' particle loan ', in the letter will be full reference to the user in the Tencent System products data, focusing on the two platform of social data. However, in different channels, the level of evaluation criteria will be focused. For example, the ' particle loan ' on hand Q will refer more to the active degree of the hand Q when setting the credit limit on the user, while the ' particle loan ' on the micro-letter will refer more to the activity of the micro-letter. ”

This means that if you are very active in micro-letters, have a lot of micro-letter group, there is a large number of fixed communication circle, every day in the group voice and not limited to one-way dialogue, your micro-trust friends all over the corners, and all ' tall ', then you get high degree of the probability of credit is very large.

How to promote micro-letter particle Credit

First, you must associate a bank card. The main purpose is to let the account have money inflow, outflow. Generally have a lot of cash flow, can be a large amount of credit, especially when the volume of water is large.

Micro-trust linked credit cards, and use micro-credit card to ensure good credit record. A good credit record is a key step in raising the loan limit. Because in the absence of a mortgage, a good credit record will be an important guarantee for your loan.

More friends, often with micro-letter to friends transfer, send red envelopes, Rob red envelopes. Make your relationships rich.

Buy micro-letter financial products, buy more financial products, indicating that your reputation level higher, financial risk awareness is strong, and you buy the wealth management products, user level may go up, then, the loan rate has preferential also maybe OH

Daily shopping, shopping, movie tickets, cell phone recharge, online shopping, eating, all can be done through micro-letters, so that you increase your cash flow

The use of micro-letter life payment function, pay water and electricity on time, you can carry out Q-coin recharge, buy lottery tickets, game recharge.

To donate a small amount of money to the public service, even if 1 cents is the mind, which is useful for your personal credit results.

Improve personal information, you can enter the micro-credit wealth management products, access to personal information interface, improve personal information, which is also to increase the amount of loans added sub-item

Micro-letter particle loan Interest how

Today, particulate loans achieve 7*24-hour service, from loan applications to lending only 15 minutes, and can be enjoyed in the highest approval limit. The loan is on a daily basis, with a current interest rate of 0.05% per cent and an annual 18% per cent, consistent with credit card overdraft pricing. Micro-particle loan interest and bank credit card is similar, but the bank credit card credit requires users to provide a lot of information such as identity cards, work certificates, Social Security records, and other tax records, and micro-credit is a convenient fast-speed loan without a card, no need for users to provide these documents. It should be noted that we refer to credit cards generally think of the amount of consumption, but in fact, credit card has the amount of loans, such as the GF Bank's self-confidence card.

The interest on particulate loans and loans is 0.05%, with an annual interest rate of about 18%. than to pay treasure borrowed a little higher, pay treasure to borrow a day for 0.045%. However, the future of "particulate loans" will be through the QQ wallet and micro-letter wallet to more users open, and the implementation of differentiated interest rates, low credit risk, qualified users can enjoy a low to 0.02%-0.03% of the day, so that the annual rate is only 7.2%-10.8%. I think it's a lot cheaper than the market.

How does the micro-letter particle loan interest be calculated?

Suppose to borrow 2500 yuan from the particle loan, 5 month repayment, the loan interest expense and should return the principal calculate as follows (day interest rate 0.05%):

The first month: should also principal 500 Yuan + interest 38.75 yuan.

The second month: should also principal 500 Yuan + interest 30.00 yuan.

The third month: should also principal 500 Yuan + interest 23.35 yuan.

Fourth month: should also principal 500 Yuan + interest 15.50 yuan.

Fifth month: should also principal 500 Yuan + interest 7.50 yuan.