What should I do if I have done Home Credit Financial Installment, and what should I do after Home C

When applying for a Home Credit installment loan, you must do what you can and consume rationally, Home Credit installment loan is mainly convenient and fast, but the disadvantage is that the cost is high, that is, the repayment interest is high, so you must handle it carefully! When applying for a Home Credit installment loan, the first thing to consider is, is it necessary for you? If you don't have enough money and can't pay it all at once, you can consider taking out an installment loan and paying it every month, which is also more worry-free and effort-saving.

Here, I would like to remind you that after you handle it, don't worry about the high interest rate, because you have already consumed and have already handled it with your own reputation, so you will be responsible for your reputation. So, before applying for a Home Credit installment loan, you must think about it carefully! The following are the precautions when applying for a Home Credit installment loan, for your reference only.

1.Conditions and procedures for applying for Home Credit installment It is actually very convenient to apply for Home Credit installment, as long as the customer is between the ages of 18-55, holds a Chinese mainland resident ID card, and has worked continuously in the current job for more than one month, with his ID card, the second supporting document (choose one: social security card, medical insurance card; bank cards; Hukou booklet; Driving license; Bank statements; Bankbook; badge) and mobile phones.

If you are eligible for a loan, you will receive a response within 60 minutes.

2.Fees Included in Home Credit Installment Fees related to consumer loan services provided by Home Credit mainly include interest, loan management fees, and customer service fees. There are clear relevant important matters in the written contract and the "Notice to Borrowers" specially prepared for the customer, and the customer can only take effect after carefully reading and signing in person.

Consumers are also reminded to carefully check the content of the contract before signing a loan contract, and the most basic thing is to confirm the authenticity and validity of personal information, and pay special attention to information about "money".

3.Early repayment requires you to apply for a "Flexible Repayment Service Package" Early repayment requires you to call customer service 15 days before the repayment due date to apply for early repayment.

In order to advocate consumers to borrow rationally, Home Credit also provides a 15-day hesitation period service for all customers, and you can contact customer service to apply for cancellation of business within 15 days of the signing date, without any charge, you can contact Home Credit customer service ** for consultation and feedback.

Within three working days of repayment, you can call Home Credit customer service to confirm whether the contract has been terminated, so as not to terminate the contract due to the failure of the Home Credit system, which will have an impact on the user's credit value and other loan business processing.

The conditions required for a Home Credit installment payment:

1. Be between 18 and 55 years old;

2. Hold a valid resident ID card (including temporary ID card) in Chinese mainland;

3. Work in the current position for more than one month.

There are three conditions for applying for Home Credit installment:

1. The applicant must be at least 18 years old, and have valid identity certificates such as ID card, household registration book, etc., and have full civil capacity.

2. The sponsor has stable working conditions and has worked for at least one month.

3. Have a savings card of a bank in China, such as a savings card of Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China and other banks.

Here's how to apply for Home Credit instalment:

1. Fill in the application form on the official website of Home Credit to apply;

2. Apply directly at the Home Credit business location;

3. Apply to a mobile phone store that has a cooperative relationship with Home Credit.

Home Credit is the only foreign-owned company among the first four consumer finance companies to be piloted in China.

In addition to establishing Home Credit Consumer Finance in Tianjin in 2010, Home Credit has also expanded its consumer finance business to other parts of China by partnering with financial institutions in other cities and regions. As of the end of February 2014, Home Credit had a presence in 11 provinces and municipalities in China, 95% of which are in second- and third-tier towns, serving more than 6 million customers.

First, the borrower needs to determine the amount of installment loan and the number of installment periods that need to be applied.

Then click Apply Now through the "Commodity Loan" on the official website, and fill in the personal name, ID card number, mobile phone number, type of goods purchased and other information according to the pop-up page, and submit; Or contact customer service directly through the official website;

After submitting the information, go to Home Credit Financial offline outlets with personal identification to handle it;

Wait for approval, after the approval is passed, you can get the installment line, buy goods, and then just repay the loan on time.

Extended information: 1. Home Credit.

Home Credit Consumer Finance**** is the first and only wholly foreign-owned consumer finance company in China, officially established in 2010 and its shareholder is Home Credit Group. The company is one of the first four pilot consumer finance companies approved by the China Banking Regulatory Commission (CBRC). The company is committed to providing responsible financial credit and inclusive financial services to those who cannot be covered by traditional financial services, especially those with little or no credit history, and its business covers more than 300 cities in 29 provinces and municipalities directly under the central government.

2. Is Home Credit loan legitimate?

Home Credit Loan is a formal and legal loan company, the full name of this company is Home Credit Consumer Finance, its shareholder is Home Credit Group, and Home Credit Loan is approved by the China Banking Regulatory Commission, from these points of view, Home Credit loan is very formal, you can use it with confidence when taking out a loan, but you should pay attention to its loan interest rate when taking out a loan, because Home Credit Loan belongs to a consumer finance company, its loan interest rate is much higher than that of the bank, but you must calculate the interest you want to repay when you take out a loan, if the interest is too much, At this time, it is necessary to be cautious about taking out loans, so as to avoid not being able to repay on time in the later stage, and overdue repayment will also be on the credit report.

3. How much is the installment interest of Home Credit?

According to the regulations of Home Credit Installment, the minimum amount of Home Credit Installment is 1,000 yuan and the maximum amount is 10,000 yuan; The minimum number of installments is 10 and the longest can be 24 installments. According to the official website of Home Credit, the loan amount is 4,000 yuan, which will be repaid in 10 installments, and the minimum repayment amount for each period is 450 yuan. This also means that the final repayment amount is a total of 4,500 yuan, of which 500 yuan of interest, according to this amount of calculation, you can know that the monthly interest rate is.

However, the interest rate will vary depending on the amount of borrowing and the number of installments, and the actual borrowing interest rate shall prevail.