3C credit consumption and is expected in 2035 Zouwang broken – household appliances, small appliances, 3C-appliance industry
Buy a house loan, car loans are in hot pursuit of the consumers, have been tepid in the 3C consumer credit and mortgage finally break through household registration restrictions, simplification of procedures and the handling charge and visa fee, you can quickly complete the loan. 3C products and services include mobile phones, digital products, computers, home appliances and telecommunications. At present, the enterprises are expanding network, it is learned by the end of Guangzhou will have 100 outlets can apply for 3C-site personal consumption loans.
Glossary: personal financial security is a good personal credit, cooperative banks from the guarantee company recommended to make loans and loan guarantees for bank loans to individuals, the individual can not return the loan, guarantee companies take to the bank repayment responsibility. The major areas of security it provides personal consumer loans, home loans, education loans, study abroad loans, personal business loans, home improvements loans.
Loan Case Just to Guangzhou, a foreign work szsdwmr because of work requirements, need to buy a laptop. She finally picked up in the Milky Way computer one, after bargaining needed 10,800 yuan. Miss Qin calculations, the rent (including the three-month deposit) to about 5,000 yuan a month, about 1,000 yuan, the cost of living, as well as communication costs and transportation costs, how can afford.
Is hesitation, the merchant told she could apply for consumer loans, Miss Qin did not explain their own account in Guangzhou, nor any mortgaged property, but the businesses should have no problem answering. In businesses with the help of only one hour, Miss Qin in Guangzhou Granville handled loans company limited by guarantee. She told reporters, it is convenient and low cost loans 5000 yuan, sub-half payment, in addition to pay the bank interest, the only less than 100 dollars to pay management fees.
Consumer Credit in the long-standing bottleneck
According to this security company official told reporters that the account limit has been abolished in this month, does not need to provide property security, as long as living in Guangzhou for more than six months, with stable jobs and income, can apply for loans. Loan interest and bank interest, like cancellation of the fees and visa charges, the company only to receive a management fee, management fee based on loan amount, risk adjustment of status. Loan amount less the lower the risk assessment, management fees paid less. He disclosed that at present, 5,000 yuan for half a year repayment loans, the lowest paid 64 yuan as long as management fees.
Been changed, this business is not growing, Guangzhou account for steady income, but there are white-collar crowd, and for bulk purchase of the consumer, but also break the bottleneck of a small amount of credit card advances.
Processing loans for the time As far as can be shortened to 1 hour. "Previously, our store in Guangzhou 3C Although there are nearly 500 outlets, but only 15 on-site processing point, so slower processing time." The responsible person said, "Now to be entered, as long as the larger 3C, had to have staff on-site processing and strive to expand the end of the year to 100.
Secured the first break out of the company
Fact, 3C credit consumption two years ago in Suning, Gome started, free down payment, interest-free installments guaranteed free consumption patterns are gradually advancing, but the past two years, this has not been consumer consumption patterns sought after.
According to report, 3C consumer credit mostly concentrated in mobile phones, notebook computers, digital cameras, home appliances and other high-end products, customers, and some had left the students with small jobs, "moonlight clan" oriented. Although the consumer credit and bank interest, like, but need to pay fees, but also there Guangzhou accounts, own property mortgage, the processing time in about a week or so.
Although banks have integrated consumer loan business, but in order to control risk, or stress location in the lending bank has a fixed address, has permanent residence or valid residence proof, bank approved to provide legal, valid, reliable or bank guarantee provided other conditions.
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