There is money to spend and 360 IOUs, which is easy to use. Is the safety factor high? Will there be

Hello, you have money to spend as a regular platform, the loan is safe and reliable, trustworthy. Money is a credit brand of Du Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services

The daily interest rate of consumer loans with money is as low as low, and it has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

Last month, I applied for money to spend with the mentality of trying, and after submitting the information, I didn't expect to be approved in seconds, and I borrowed 2000 and it arrived soon.

The interest rate is different for each borrower and is based on personal credit and qualifications.

And there are several different loan models for 360 IOUs, and the charging standards are different, so it depends on the situation.

At present, the advertisement on the 360 official website claims that 1,000 yuan is used for 12 months, and the daily cost is at least 2 cents 7.

Of course, the interest rate of 360 IOU is high, and 360 IOU does not support borrowing and repaying on a daily basis for the time being, and does not support early repayment, so the flexibility is not as good as borrowing, and the 360 IOU needs to pay all the interest for early repayment, which is very cost-effective.

360 IOU: Borrow 8,000 yuan, two months, 8,256 yuan need to be repaid! 2 months interest 256 yuan.

Ant borrowing: borrow 8,200 yuan, three months, and need to repay 8,409 yuan. The interest for 3 months is 209 yuan.

The difference is very obvious, the borrowing interest is much lower, but the borrowing threshold is relatively high, and there is generally no limit, so you can choose freely according to your needs.

It's not high, and the interest rate of Anyi Flower is not high, and it is about the same as the interest rate of a credit card. The interest on the Comfort Flower is calculated on a daily basis, and the daily interest rate = the remaining outstanding principal * the daily interest rate is in between. In addition, Anyihua generally has 2 free withdrawals, and there will be a withdrawal fee after exceeding the number of withdrawals, and the fee is 2% of the loan amount, with a maximum charge of 100 yuan.

Anyihua is a pure credit cash loan, submitted by the system after the application is automatically reviewed, the loan amount is between 1000-200000 yuan, the first loan is generally about a few thousand yuan, with the timely repayment, the follow-up can gradually increase the amount, suitable for office workers who need money urgently.

2. The fees of Anyihua are divided into interest, handling fees, penalty interest, service fees, withdrawal fees, etc.

1. Interest. Anyihua is calculated on a daily basis, borrowed and repaid at any time, similar to borrowing, micro loans, how many days of interest is actually used.

Calculation formula: Daily Interest = Remaining Outstanding Principal * Daily Interest Rate.

The daily interest rate is as low as the borrower's qualifications and creditworthiness, depending on the borrower's qualifications and creditworthiness. Suppose Xiao Wang borrowed 5,000 yuan in Anyihua, and the daily interest rate is, then 1 day's interest = 5,000 * yuan.

2. Handling fee.

Each time you apply for Anyihua, you need to pay a withdrawal fee, the specific formula = single loan amount * 1%, up to 30 yuan, calculated according to the actual amount.

3. Penalty interest. If the repayment is overdue, then the penalty interest will be calculated on a daily basis, penalty interest = overdue principal * , the longer the time drags on, the higher the fee.

All in all, Anyihua is a product of Mama Finance, and Mama Finance is an institution approved by the China Banking Regulatory Commission, so it does not belong to the loan shark and artillery platform, and all the fees are within the legal range. The interest rate of Anyihua varies from person to person, and the interest rate may be different for people with different qualifications to apply for Anyihua. According to official information, the daily interest rate of Anyihua is the lowest and the highest.

From this point of view, the interest rate of Anyihua is not very high, after all, the annualized interest rate is between the two and does not exceed 24%, which has not yet reached the standard of usury. However, many netizens who have applied for Anyihua have said that the interest of Anyihua is very high. In fact, this is because Anyihua also charges some service fees and handling fees, and if the repayment is overdue, the penalty interest for overdue is also very high.

The service fee is generally calculated based on the actual number of days borrowed, and the rate is usually between the dates. If the borrower withdraws cash, a fee of 1% of the amount borrowed will also be charged. If it is overdue, overdue penalty interest will be charged according to the amount owed.

And when these total costs are added together, the amount of money to be repaid will naturally be more.

360 IOUs are regular and the interest rate is not high, and the interest on 360 IOUs is as follows:

Borrow 10,000 yuan from 360, and repay the loan in 6 installments, with a monthly interest rate of 1% and a monthly rate of 1%. Then the total interest can be calculated as yuan through the equal principal and interest calculator. In addition, the monthly handling fee is 10,000 1% = 100 yuan, and the 360 IOU is regular.

The daily interest rate of 360 IOUs is basically in between.

360 IOU Interest Calculation (Example).

Borrow 10,000 yuan from 360, repay the loan by borrowing and repaying at any time, borrow for 10 days, and the daily interest rate is. We can calculate the loan amount by the formula Number of days Daily interest rate = total interest to get 360 The interest of each day of borrowing is 3 yuan, and the total interest of 10 days is 30 yuan.

Is the interest rate of 360 borrowing hail pants regular, how much is the interest of 360 IOU, and is 360 IOU reliable!

360 borrowing will charge different interest depending on the repayment method. If you use the method of repayment in installments, then you will use the same amount of principal and interest to collect interest, and a certain handling fee will also be charged. If you choose to borrow and repay at any time, then the daily interest rate is as low as 360 IOUs are regular.

When everyone is short of funds, I use no less than 10 loan products myself, and on the whole, it is still more recommended to have money to spend with Xiaoman (formerly known as finance), for reasons such as up and down: 1. Compared with the invitation system of borrowing and micro loans, you can take the initiative to apply if you have money to spend. 2. The maximum amount is 200,000, the minimum annualized, and the account arrives in 3 minutes, which is already very useful; 3. Regular big platform, don't worry about routines;

4. The general formal product review is relatively strict, although it is easy to use, but it is difficult to apply for the source with money, and it is the same if you have money to spend, but I am looking for an exclusive application channel for insiders, and the next payment rate is very high, so it is the most recommended product in the product, there is no one, since it is recommended to everyone, and the exclusive application channel is presented, and friends in need apply for it themselves, just remember to use it on the same day to get the quota, otherwise it may be charged pure Wang back the quota, there have been friends in this situation before, remember.

1. When the method of "annual interest payment and principal repayment due" is adopted:

Annual interest (without compound interest) 6000*).

3 years total interest paid 3*).

Add a sedan car to slow down the principal and pay a total of 6000+ yuan).

2. If you take the method of "one-time repayment of principal and interest at maturity": (to calculate compound interest) the first year of principal and interest is 6000 * (1+

The total principal and interest in the second year is 6000*(1+

The total principal and interest in the third year is 6000*(1+

3. If the method of "equal principal and interest repayment is adopted":

1) Monthly repayment amount = loan principal monthly interest rate (1 + monthly interest rate) number of repayment months [(1 + monthly interest rate) number of repayment months - 1] yuan).

2) total repayment of RMB).

For reference, it depends on the repayment method.

Generally speaking, it is calculated on a daily basis, because it involves early repayment.

The interest rate of each noisy person is different, and the credit is high, and there may be some, and the average may be more.

The calculation method is that if it is calculated, Wang Jianchong will have an interest of 10,000 yuan and 3 yuan per day.

Everyone's interest and amount are not equal.

Judging by personal credit failure, it can also be understood as big data.

Calculation formula: interest rate * amount * number of days.

You have to know some basic information about this before you can make a calculation.

The basic situation is the principal, the selling rate of the selling day, and the number of days.

The principal and number of days are determined by themselves, and the daily interest rate is determined by the platform.

Principal * Daily Interest Rate * Number of Days = Interest.

The method is calculated on a daily basis, which is the daily interest rate.

You must first know what the daily interest rate of Ziling is before you can calculate it.

Principal * Daily Interest Rate * Number of Days = Interest.