Is Lehua borrowing money a regular platform, is Lehua borrowing a regular platform?

On the whole, Lehua borrowing money is still relatively reliable, and the interest rate on Lehua borrowing varies from person to person, some people have high loan interest, and some people have low loan interest.

Let's introduce the situation of Lehua borrowing money from the three aspects of platform background, loan model, and user reputation:

The background of the platform, Lehua borrowing money is installment.

Its loan platform, and Installment Le is a loan platform with a listed company background, Lexin, the parent company of Lehua Loan.

has been listed in the United States, so Lehua's background in borrowing money is still relatively strong, after all, there are not many loan platforms in the online loan industry that can be successfully listed; Loan mode, Lehua borrowing money up to 50,000 yuan, without the borrower to provide collateral and guarantee, Lehua borrowing money is a platform for cooperation with formal financial companies, cooperative institutions such as Industrial and Commercial Bank of China, Bank of Shanghai.

Bank of Gansu, Shanghai Pudong Development Bank, Baoshang Bank.

Bank of Chongqing, Xinwang Bank, Zhongan Insurance.

User word-of-mouth, at present, Lehua borrowing money has thousands of users, among many users, Lehua borrowing money reputation is not bad, not many people complain on the Internet, in addition, Lehua borrowing money is also quite civilized when collecting, it is not difficult to see that Lehua borrowing money is still relatively reliable, however, I want to remind everyone that no matter how reliable the platform is, everyone has to apply cautiously, do not blindly lend. On the whole, Lehua is still more reliable in borrowing money. Here, Xi Caijun will introduce Lehua's borrowing from three aspects: platform background, loan model, and user reputation.

Platform background. Lehua Loan is a loan platform under Installment Le, which is a loan platform with a listed company background. Lexin, the parent company of Lehua Loan, has gone public in the United States.

Therefore, Lehua's background in borrowing money is still relatively strong. After all, there are not many lending platforms in the online lending industry that can successfully go public.

Loan model. The maximum loan amount for Lehua is 50,000 yuan, and there is no need for the borrower to provide collateral and guarantee. According to what Xi Caijun learned, Lehua Loan is a platform for lending in cooperation with formal financial companies, including Industrial and Commercial Bank of China, Bank of Shanghai, Bank of Gansu, Shanghai Pudong Development Bank, Baoshang Bank, Bank of Chongqing, Xinwang Bank, and Zhongan Insurance.

User word-of-mouth. Lehua has thousands of users who have borrowed money. Among many users, Lehua's reputation for borrowing money is not bad, and there are not many people who complain on the Internet. In addition, Lehua borrowing money is also quite civilized when it comes to collection.

Above, Xi Caijun introduced to you whether Lehua borrowing money is reliable. It is not difficult for everyone to see that the reliability of Lehua borrowing money is still relatively high. However, Xi Caijun would like to remind everyone that no matter how reliable the platform is, everyone should apply cautiously and do not blindly take out loans.

Legal analysis: Lehua card is more formal. Lehua Card is a loan business jointly launched by Bank of Nanjing and Installment Le, which means that you need to check credit information to open Lehua Card.

Legal basis: Provisions on several issues concerning the application of law in the trial of private lending cases.

The term "private lending" as used in these Provisions refers to financing between natural persons, legal persons, and unincorporated organizations. These Provisions do not apply to financial institutions and their branches established with the approval of the financial regulatory authorities to engage in loan business, as well as disputes arising from loans and other related financial businesses.

When a lender initiates a private lending lawsuit with the people's court, it shall provide proof of creditor's rights such as IOUs, receipts, and IOUs, as well as other evidence that can prove the existence of a legal relationship for lending. Where the creditor's rights vouchers such as IOUs, receipts, and IOUs held by the parties do not indicate the creditor, and the party holding the creditor's rights vouchers initiates a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualifications, and the people's court ruled that the plaintiff did not have the creditor qualifications and dismissed the lawsuit.

Article 24 Where the borrower and the lender have not agreed on an interest rate, and the lender claims to pay the interest, the people's court will not support it. Where the interest agreement on a loan between natural persons is not clear, and the lender claims to pay interest, the people's court will not support it. Except for loans between natural persons, where the agreement between the borrower and the lender on the interest on the loan is not clear, and the lender claims the interest, the people's court shall determine the interest on the basis of the content of the private loan contract and factors such as the local or the parties' transaction methods, trading habits, and market rates.

Where a lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by both parties exceeds four times the market price of the one-year loan at the time the contract is concluded. The one-year loan market rate mentioned in the preceding paragraph refers to the one-year loan market rate released monthly by the National Interbank Lending Center authorized by the People's Bank of China from August 20, 2019.

Summary. Since Lehua borrows money from formal financial enterprises such as banks and insurance departments, it will definitely be on the credit report. However, only untrustworthy behaviors such as overdue loans, illegal use of funds, and falsification of application materials will affect personal credit reporting.

If everyone can repay the loan in full and on time, use the money regularly, and take out a regular loan, then there is no need to worry about the damage to personal credit.

Be. Lehua borrowing money is a more formal platform.

I would like to inquire about my child's borrowing.

1.Lehua Wangzhong's borrowing of sleepy mountain money belongs to installment music, and installment music is also a formal loan platform; 2.Lexin, the parent company that borrowed money, had already been listed in the United States; 3.Therefore, the background of Lehua borrowing money is also very strong.

This 5 thousand. Lehua borrowing money is carried out by a third-party financial enterprise with a wide and vertical limb. These third-party financial enterprises include: Industrial and Commercial Bank of China, Bank of Shanghai, Bank of Gansu, Shanghai Pudong Development Bank, Baoshang Bank, Bank of Chongqing, Lida Xinwang Bank, and Zhongan Insurance.

Since Lehua borrows money from formal financial enterprises such as banks and insurance departments, it will definitely be on the credit report. However, only untrustworthy behaviors such as overdue loans, illegal use of funds, and falsification of application materials will affect personal credit reporting. If everyone can repay the loan in full and on time, use the money regularly, and take out a regular loan, then there is no need to worry about the damage to personal credit.

Yes, there are 34 monthly repayments.

Through my introduction to you, you can understand that this platform is a regular platform.

I don't know if it's 5,000 in the first installment, or more than 7,000 in total?

A total of more than 7,000 repayments.

Your child only borrowed 5,000 yuan.

Summary. Informal, according to our understanding, this platform is not a formal online loan platform, because in the loan process involves arbitrary charges, such as asking you to pay VIP audit fees, loan unfreezing fees, loan deposits and other issues, if you are asked to pay fees during the application process, be cautious, do not cooperate with the other party to pay money, you apply for a loan on a regular loan platform, you do not need to pay any fees.

Informal, according to our understanding, this platform is not an online loan platform with empty rules, because in the loan process involves arbitrary charges, such as asking you to pay VIP audit fees, loan unfreezing fees, loan deposits and other questions, if you are asked to pay fees during the application process, you must be cautious, do not cooperate with the other party to pay blind money, you apply for a loan on a regular loan platform, you do not need to pay any fees.

If you have a need for borrowing, we suggest that you still apply for a loan from the platform of Zhengmaoyuan Upgrade, such as Du Xiaoman Finance or Alipay Borrowing, this kind of platform is very reliable, the review speed is relatively fast, and the lending speed is relatively fast, and the interest rate is not high.

After borrowing, we must repay the loan on time, and we will not have a loan overdue, because the loan overdue will affect our personal credit, and if there is a problem with personal credit, we will not be able to apply for other personal credit loans in the future, including car loans or housing loans.

Leyouhua is a loan software, the loan software is a formal loan software protected by the official website certification law, is licensed by the Ministry of Industry and Information Technology of the People's Republic of China, certified legal, holds formal legal business documents, belongs to a legal enterprise, its business scope is also within the scope of legal permission, safe and reliable.

Conditions for applying for a personal line of credit:

1. Over 18 years old.

2. A natural person with full capacity for civil conduct.

3. Have a fixed residence in China, have a permanent residence in a local town or a valid certificate.

4. Abide by laws and regulations, no illegal acts and bad records.

5. Have a proper occupation and stable income** monthly salary income must be more than 1,000 yuan, and have the ability to repay the principal and interest of the loan on time.

6. Proof of relevant property, purchase contract, car purchase contract, investment plan, etc.

7. Other conditions stipulated by bank lending institutions.

The process of applying for a loan for Youlehua:

1. Age requirements, 22 to 60 years old, 18 years old or older with particularly excellent qualifications, but parents must know and sign.

2. Prepare information, the information required for bank loans, including the loan application, the customer's ID card, household register, income certificate, marital status certificate and other materials, there is a spouse who needs to provide, if not, there is no need to provide, the requirements of the bank are different, some as long as the ID card can, the prerequisite is to have salary, social security, provident fund.

3. After preparing the relevant information, the applicant shall submit the relevant information to the bank with the loan application, and the applicant shall sign the loan contract with Nai Hao Bank as a legal document for both parties.

4. The beginning of the review is a housing loan, first by the bank for the first review, if qualified, the bank will carry out the final loan approval, the review is unqualified, the bank will return the relevant information of the customer.

5. After the relevant procedures of the customer are completed, the bank will assess the borrower, approve the loan and submit it to the superior for approval, and then the staff will inform the borrower of the loan amount, term, interest rate, and details, and transfer the money to the customer's account.

6. The loan time is generally three to four working days, the slowest is two weeks, and the fastest application is in the morning, and it can be received in the afternoon of the same day. <>