I want to buy something in installments, is it better to use Home Credit or Bai Qian

Bai Qian is a loan shark ...... a fraudulent company—Home Credit Company General.

Home Credit is not bad, who does not have an emergency in daily life, not to mention that Home Credit installment is not only fast, but also convenient. If you don't go to apply for Home Credit installment, you must fully consider your own economic situation and consume reasonably. Handle business with regular staff wearing official Gitzo uniforms to prevent personal information leakage.

I borrowed 3000, installment 24, January, pay off the total, it's cost-effective or not, see for yourself!

None of them are good. Home Credit is obviously a small loan, the credit card is swiped in full, and the interest on the card bill is the lowest. After all, the interest is only one year.

Don't take out a loan from Home Credit, Boqian. I bought a phone for 2400. Now it's back 5600

Home Credit is more formal, it's all loan sharks. Home Credit interest can be lower.

May I ask the following Bai Qian dare to compare the interest with Home Credit It is better than double hook and no check at all There is also Bai Qian is the same amount of principal Basically the interest is repaid in advance So it has been repaid for a few months The principal has not been repaid much Home Credit is the lowest interest I am not convinced to argue!

I'm Home Credit, Home Credit is foreign-owned, Boqian is a domestic enterprise, that's a fact! You say that Home Credit has a higher interest rate than Birch? Ask two salesmen to do it at the same time Just take a look at it A lot of things are clear in your heart Why do you have to talk nonsense?

Boqian repayment is interest first and then principal, right, Home Credit is the same amount of principal, early repayment, including interest is low Home Credit do not believe it, do your own installment, let the salesman show you his computer!

What is your loan amount? How many more issues are there? What I said before that Home Credit is good is what the people of Home Credit said, they are misleading you, for example, Home Credit is still using the so-called 10-10-10 installment method, down payment 10% monthly payment 10% in 10 installments, take 3000 yuan **, Home Credit people will definitely introduce you to this:

The down payment is 300 yuan, the monthly payment is 300 yuan, and the total is 300 yuan more. And what about the reality?! Not at all!

If you don't believe it, you can try it, there must be other costs! And it's 100% there will be, don't believe you can ask the people of Home Credit to calculate such an amount of 1770 yuan loan amount for you, in 10 installments, let them add all the fees that can be added to you (including their service package), and you will definitely have to pay about 500 yuan more!

Again, the person above called (Bai Qian Chaokeng) said that the total price of the mobile phone he bought was 2999 yuan, and the down payment was 1,000 yuan, so his loan amount should be 1999 yuan, not to mention how many installments he divided it into, he said that he had repaid seven installments (that is, seven months) before, and to the eighth installment He wanted to repay the loan in advance, saying that he would repay more than 2,000 yuan, I will tell you how he got this number (let's not pursue the accuracy of his data), there are two situations, first, he is Home Credit's ** (or trust), Advertising Home Credit; Second, he never repaid the money from the first installment (that is, the repayment date of the first month) or repaid one or two installments, and he really couldn't stand it in the eighth installment (because during these months, many people called him ** to contact him, or many people went to him to ask him to repay, otherwise he would be sued in court), so he chose to repay the loan in advance, and Bai Qian's staff calculated the late fees and interest generated by his contract plus the principal, and he still needs to repay so many expenses in total. Because if the loan is repaid in advance in the later period, there will be no charge for the remaining principal in the following installments, which is his own ......, and Bai Qian and Home Credit have no relationship, Home Credit is a foreign enterprise, Bai Qian is a standard Chinese own consumer finance national brand! You can go to their official ** to find out.

Bai Qian recently launched 0 interest, but there is a service fee, the service fee is much higher than the interest of Home Credit, and it has to be repaid for a year, Bai Qian is purely a loan shark, and I personally feel that it is still low in Home Credit, you can do the installment when calculating the account.

Don't listen to those two, Bai Qian is a Chinese company, not a foreign company! It is not the same company as Home Credit, and the interest rate has an absolute competitive advantage in the industry, you can go to their official website to check it or search it! How can it be a foreign company, how can it be the same company!!

Both are foreign companies and the interest rate is high.

The two were originally one, but I personally think Gitzo is slightly better.

Yes, but you have to think about it, you need to apply for two kinds of loans at the same time, you need to have enough repayment ability, otherwise the pressure will be great.

Home Credit Loan Application Criteria.

1. The applicant has not applied for installment payment from Home Credit;

2. Be at least 20 years old and not more than 55 years old at the date of application;

3. Have worked in the current unit for 3 months;

4. The average monthly income is not less than 2,000 yuan.

After meeting the application conditions of Home Credit Online Cash Loan, you also need to bring four materials, which are:

1. ID card;

2. The second supporting document (choose at least 1 of the 5 items: social security card, medical insurance card, driver's license, bank card, household registration book, work card);

3. Proof of income (bank payroll passbook statement record in the past 3 months);

4. Proof of work (labor contract, unit certificate).

Raise cheats ads.

The million quota is too far away, but he can raise the amount by 50%.

You can also apply for installments at Home Credit. However, the relevant fees of Home Credit are interest, guarantee fee, service fee, insurance premium can not be selected, try to reduce the number of installments when processing, the smaller the number of installments, the more cost-effective, but your monthly payment may be a little more.

Reliable. It can be staged.

Installment payment is the main business carried out by Home Credit in China in cooperation with relevant financial institutions. Unlike regular bank loans, this type of loan does not require the applicant to provide security or collateral. Customers who are shopping for consumer durables, such as refrigerators, TVs, computers, and mobile phones, can apply for this service directly in stores that partner with Home Credit.

First, the main advantages of Home Credit installment payment.

The main advantages of Home Credit installment payments are that they are quick and easy: customers can submit their applications directly in-store; And it was approved within 60 minutes. If the approval is approved, the customer can take the product home immediately.

There is no need to go through the long wait for a regular loan, multiple trips to and from the bank and complicated application documents. In addition, customers need to choose a repayment channel that suits them and change the payment on time every month.

Unlike most banks, Home Credit doesn't just target high-income people. Home Credit's goal is to provide convenient and practical loan services to the majority of low- and middle-income consumers in China. Compared to other financial institutions, Home Credit Installment Service has a smaller loan amount, but it is very simple and convenient.

2. Application conditions and application materials for Home Credit installment business.

Application Requirements:1Holders of Chinese mainland resident identity cards (excluding Chinese holders of foreign passports; It also does not include people serving in Hong Kong, Macao, Taiwan and the military).

2.Age 18 to 55 years.

Application Materials:1Identity card.

2.Other documents (any of the following: social security card, medical insurance card; bank cards; Hukou booklet; Driving license; Bank statements; Bankbook; badge).

3. Home Credit installment business application process.

1.Customers choose their favorite items and apply for Home Credit instalments directly in store.

2.A Home Credit sales representative checks the application materials provided by the customer and submits the application.

3.After approval, the customer signs the loan contract and picks up the goods from the merchant.

4.Customers make regular monthly repayments according to the repayment guideline card.

Of course, it is reliable, I used Home Credit to pay for a Huawei mobile phone in installments, and the repayment period can be selected according to the actual situation, and there is almost no pressure to repay.

If the interest rate is high, don't take out a loan.

Yes, but if you borrow it, you have to pay it back, they are on the credit report, and if you don't pay it back, you will become a black household.

If the overdue has been paid off, and the previous overdue is not serious, it will not be affected.

Causing a serious overdue will face:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, when the overdue period is long, the platform customer service seriously warns, threatening to face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

Third, facing a national crisis of confidence.

At present, the network Huai Hao loan platform has established a blacklist system, and the blacklist platforms have begun to communicate with each other. If you don't repay your loan on one platform, it will be difficult to borrow it on other platforms. In addition, online lending platforms will publicize the blacklist through their own WeChat, Weibo and other online channels, and even on large screens at railway stations and airports.

Let the people of the whole country know that these "old fools" borrow money and do not pay it back! Of course, except for those who owe money in bad faith, the average borrower will not go this far.

Fourth, the People's Bank of China's credit report produces stains.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

5. The defendant goes to court.

After the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2,000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. Once the Luji court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the money that needs to be repaid, and even face jail time.

It is not recommended to do a mobile phone breakup, the arrival is small, and the interest is high.

Most of the stores that sell mobile phones have Home Credit staff, if you are over 18 years old, have not expired before, have good credit, and get an ID card. First of all, he will assess whether you meet the requirements, if you can, you can do installments, and then you can choose to repay the loan in several installments, but the handling fees are very expensive and not very cost-effective.

When you buy something, you can generally use Home Credit installment salespeople will tell you, to be honest, the interest is not low, it is best to choose the kind of interest-free periods, generally six interest-free periods, otherwise it is not cost-effective. Anyway, unless it is very necessary, it is better not to do it.

This is the attention of the pit people themselves.

There is also a point, Gitzo mobile phone installment, I sent it to you, you see if it is useful, rush home and get angry, a few words v good, eat v go home and take care of it, France Hanhai North Jin Jin is careful, v is good v hum chirp i