Medical beauty loan application requirements:
1. applicants need to be over 23 years old, and the occupation can not be a student;
2. good personal credit, no bad credit record;
3. applicants have a certain repayment of the principal and interest;
4. the application for the loan for the medical beauty institutions for the high reputation, business compliance The company is a large-scale organization. If you meet the above conditions, you can try to apply for a medical loan.
1. What is a medical beauty loan?
This kind of loan is some loan platform hand in hand with the medical beauty institutions, for some groups of people with insufficient consumption ability, to provide immediate consumption, the first to become beautiful loan, belongs to a kind of consumer loan.
Unlike other consumer loans, the amount of the medical beauty loan can only be used to pay for the plastic surgery costs of the designated medical institutions, and cannot be withdrawn and transferred, as well as used elsewhere.
2. Are medical loans legal?
At present, the law and regulations do not clearly stipulate that medical loans are illegal, and for this reason can only say that medical loans are in a gray area. But the market medical loan products are mixed, coupled with the difficulty of its control, audit is not strict, unsecured, is very easy to cause a series of social problems, so try to choose the formal institutions to launch the medical loan.
And usually the formal medical beauty loan lending institutions with lending qualifications, that is, itself is a formal financial license institutions, or and licensed financial institutions to cooperate in the loan, will not charge a high interest rate, do not hide the real loan interest, the interest rate range will not exceed the legal provisions of the cordon sanitaire, and can provide a formal loan contract, in the user is overdue and will not be malicious collection.
In addition, the beauty institutions cooperating with the medical loan should have a valid business license, the Medical Institution Practice Permit, the surgeon should obtain the Physician's Practice Certificate, and the charges are transparent, and they will not misrepresent the medical items or inflate the cost of the surgery.
3, medical loans on credit?
Medical staging platform will be credit, late will be extremely negative impact on the borrower's credit, the future want to loan or credit card is extremely difficult, not on the credit will be access to the private credit agencies, may be due to the credit **** enjoy between the network lending institutions, and ultimately will also affect your personal credit.