Happy loan policy loan process

Policy loan process:

1. Prepare all the materials required for the loan, including the original personal ID card (if the applicant and the insured are not the same person, the original ID card of the insured should also be prepared), the original insurance policy, the bank card number and the information specified by the insurance company, and apply for a loan at the lending institution;

2. The staff of the lending institution accepts the application and reviews the materials;

3. After approval, the banking institution determines the loan amount and signs a loan contract with the borrower. After the contract is signed, the insurance policy will be left to the lending institution as collateral to issue loans;

4. The borrower shall repay the loan principal and interest as stipulated in the contract.

What are the procedures for the review of pleasant loans?

1, application accepted. After the borrower submits a small loan application to the small loan bank, the handling personnel will introduce the application conditions and waiting period of the small loan to the borrower, and at the same time conduct a preliminary examination of the borrower's conditions, qualifications and application materials;

2. Review it again. According to the relevant regulations, the handling personnel should take reasonable measures to review the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness;

3. recognition. The authorized approver will finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, economic situation, credit standing and guarantee situation;

4. distribution. After the loan conditions are implemented, the customer can apply for the loan amount from the loan bank at any time according to the capital demand;

5. Post-loan management. The loan bank shall supervise and inspect the borrower's income and loan use in accordance with the relevant provisions of loan management, and the inspection results shall be recorded in writing and filed;

6. Loan recovery. According to the repayment plan and repayment date agreed in the loan contract, the borrower repays the principal and interest in full and on time on the repayment due date, and this microfinance process ends.

Yirendai (NYSE: YRD) is an online financial service platform in China, which was launched by CreditEase on 20 12. Yirendai provides credit loan consulting services for white-collar workers in China through the Internet, big data and other scientific and technological means, and provides financial consulting services for investors through the online platform of Yirendai.

Yirendai is committed to making it safer, more efficient, more professional and more standardized to meet the needs of customers at both ends of the loan. By establishing, releasing and creating credit value, we can arouse the public's attention and recognition of credit value, make credit truly become the carrier of value, and promote the development of inclusive finance.

How can I borrow money from a pleasant loan?

Hello, a pleasant loan must meet the conditions given by others. Generally speaking, you need to meet these four conditions before you can apply:

1. Hold a valid credit card and a personal credit report issued by the central bank;

2. The age is 22 years old (excluding) -55 years old (including);

3. Taobao account with real-name authentication under the name;

4. Mobile phone number with real name authentication under the name.

Gambling on advertisements and mobile phones can quickly borrow money!

Hello, you asked Yiren how to get a loan. You asked the right question. I just made some money from pleasant loan. As far as I know, the loan application process of this pleasant loan is as follows:

1. First, you need to register a creditworthy loan account, and then carry out various identity authentication such as mobile phone number and ID card;

2. Then enter the email address bound by the credit card and authorize the system to read the consumption bill.

You should also authorize reading the records of e-commerce and social networking sites.

4. Enter the bank card information to complete the loan application.

5. Set the loan amount and time (36 months and 48 months are recommended, which is easier to approve).

6. Pass the qualification examination and wait for the loan. (The review time is usually about 10 minutes). The system will automatically calculate the monthly and * * * total payable, which is convenient for users to query the monthly rate of the platform.

What loan platform is pleasant loan, and how to handle the loan?

Pleasant loan is a person-to-person online loan service platform launched by CreditEase on 20 12. Lenders apply for loans online. After passing the credit evaluation, the lender obtains the credit loan fund support from the lender, and the lender obtains the expected annualized income return. Pleasant loans are mainly credit loans. The expected annualized interest rate is about 7%- 12%, and the average expected annualized income is 12%. And the investment period is more than 6 months. However, secured companies and risk guarantee funds guarantee the safety of their principal and interest, and investors can transfer their creditor's rights after 3 months of investment. After submitting the application, the results should be announced within three working days. If you successfully borrow money, it depends on your annual interest rate. If it is high, there will be more lenders and you will get the money soon.

First, the borrower needs to apply through the Renren loan client. Secondly, there are restrictions on the location of the borrower. At present, the speed mode of pleasant loan only supports borrowers from Beijing, Fujian, Guangdong, Hubei, Hunan, Jiangsu, Liaoning, Shandong, Zhejiang, Hebei, Sichuan, Chongqing and Heilongjiang. Finally, the borrower needs to meet the following four conditions before applying: 1. The borrower holds a valid credit card and receives the credit card bill by fixed email; Or hold a personal credit report issued by the central bank. 2. The borrower is 22 years old (inclusive) -55 years old (inclusive). 3. The borrower has a Taobao account with real-name authentication under his name. 4. The borrower's name has a real-name authenticated mobile phone number. Pleasant loan speed mode application process 1. The mobile phone scans the QR code of Yirendai to register the Yirendai account, and then carries out various identity authentication such as mobile phone number and ID card. 2. Enter the email authorization system bound by the credit card to read the consumption bill. 3. authorize reading records of e-commerce and social networking sites. 4. Enter the bank card information to complete the loan application. 5. Set the loan amount and time (36 months and 48 months are recommended, which is easier to approve). 6. Pass the qualification examination and wait for the loan. (Generally, the review time is about 10 minute) The system will automatically calculate the monthly and * * * total repayable amount, which is convenient for users to check the provinces and cities supported by the current extreme speed mode of the platform: Beijing, Zhejiang, Guangdong, Jiangsu, Fujian, Hubei, Shandong, Chongqing, Hebei, Heilongjiang, Hunan, Liaoning and Sichuan. Therefore, before the borrower applies for a pleasant loan, although the pleasant loan speed model has the ability of quick review and can help the borrower solve the small fund gap, all the review procedures are completed by the system, and there is some uncertainty, so the borrower needs to pay special attention.