Individual Borrower

l  Targ2et customer: private owners, employees, college students

l  Based on the specific consumption scenarios, this product portfolio is designed to provide the customized, simple and convenient consumer finance products for consumption-oriented borrowers.

Housing PropertyFinance

Through expanding into the real estate industry chain and cooperating with real estate agencies or platforms, seek for the target customer group and provide the comprehensive housing-related financial products and services for home sellers and buyers, meeting their differentfinancing needs.

Consumer Installment Finance

By focusing ontheindustry chain segments and buildingthe specific consumption scenarios, target the 3C, medical beauty, education and other vertical market segments based on the installment-driven consumption, and provide the installment-based financial services for individual consumers through the cooperation with retail businesses.

Home Mortgage Loan

Furniture Loan

Decoration Loan

Product description

Help those with quality property to quickly raise funds.

Apply for the one-time or revolving loans backed by home mortgage based on the individual borrower’s housing property (residential housing, or housing for commercial and residential use).

Unsecured and non-guarantee credit consumer loans.

Help solve the problem of temporary shortage of funds for those with stable income, enabling them to increase the capital use efficiencyand improve the quality of life. The loans can be used for home decoration, purchasing of furniture and home appliances and other larger consumption purposes.

Line of credit

No more than RMB9 million for a single family, and no more than RMB3million for a singleamount

Mortgage rate no more than 70%

No more than RMB500,000

Loan period

Interest repayment before principal: 3-12 months

Average capital plus interest: 2-5 years

3-12months

Application requirements

Home mortgage.

1.   Age 18-65;

2.  The home mortgage is backed by the residential housing, or housing for commercial and residential use within the third ring road in Wuhan;

3.   No bad credit records.

1.   The borrowers should have a proper occupation with stable source of income, and the monthly cash newly recorded in the banking account is not less than RMB5000.

2.   No bad credit records.

Approving period

Within 3 business days

Within 3 business days

Goddess Installment Loan (Medical Beauty)

3C Consumption Installment Loan

Education Installment Loan

Product description

Based on the medical beauty needs of young women, provide financial services to the consumers of the cosmetic surgery institutions that cooperate with us.

Based on the needs of buying 3C productsonline, provide the consumer installment credit for college students.

Based on the needs of online training courses, provide the consumer installment credit for college students and fresh employees.

Installment with zero down payment, simple procedures.

Line of credit

No more than RMB50,000, subject to specific prices of cosmetic surgeries

No more than RMB10,000, subject to specific product prices

No more than RMB20,000, subject to specific course prices

Loan period

3-12 months

3-24months

3-12months

Application requirements

No threshold

*Personal credit records or Sesame Credit meet the requirements

No threshold

*Personal credit records or Sesame Credit meet the requirements

No threshold

*Personal credit records or Sesame Credit meet the requirements

Approving period

Online approval and real-time loan issuance

Online approval and real-time loan issuance

Online approval and real-time loan issuance