Rather safe. The medical world loan, the medical letter financial information service (Shanghai) limited company's network lending platform, is the first domestic focus on the medical industry financing and wealth management business of the P2P Internet financial service provider.
The current annual interest rate for medical loans ranges from 10% to 18%. The maximum annual interest rate for borrowing on the medical world loan platform is set at no more than four times the annual bank loan interest rate for the same period. And with the adjustment of the bank loan interest rate, the interest rate range of the medical world loan will also be adjusted accordingly. Borrower users can set their own acceptable interest rate according to their own situation, with reference to the lower limit of the corresponding loan interest rate set by the website for borrowers of various credit ratings and the recent transaction loan interest rate of the website. Under the same circumstances, the higher the loan interest rate, the higher the probability of success (full bid).
Currently, credit loans can be selected for a borrowing period of 1 to 24 months. There are two repayment options: equal monthly principal and interest repayment, and monthly interest repayment and principal repayment at maturity.
Every investor who puts his money on an online lending platform will first consider the safety of its platform, and investing in medical loans is no exception. The platform of the medical loan found that the information disclosure of the lending project released on the platform of the medical loan is still relatively detailed, which allows investors to have a clear picture of the basic information of the subject, including the information of the borrowing user, the borrowing user's credit file, the authentication data and the audit status, etc. The information disclosure of the lending project is also more detailed. Although the information on the platform is more complete, but the relevant information on the website is only a small picture, can not be enlarged to see, and the customer service explanation is that the web page to display too much content, and the web page space is limited can not be displayed clearly. If investors want to see the detailed documentation, they need to go to the platform's offline company to check on the spot.
Medicine loan in the safety and security of the platform officially declared that there are 10 million risk reserve, but investors can not be found on the website. In addition to the public information on the medical loan did not explain, investors also have no way to know the third-party funds of the medical loan platform hosting organization is a third-party payment funds hosting or bank hosting.