Is Baidu Youqianhua legitimate? Will the loan affect the mortgage in the future?

Young people nowadays have developed the concept of advance consumption. Many of my colleagues and friends have two or three credit cards. Under this trend, many online loan platforms are emerging, such as 360 Jiebei, Baidu Youqianhua and other platforms. So is Baidu Youqianhua formal? Will the loan affect the mortgage in the future? Let’s follow Feng Chao from Dongguan to find out more!

Is Baidu Youqianhua legitimate?

First of all, analyzing from the brand background, Youqianhua is a loan platform launched by Baidu Duxiaoman Financial Platform. It is one of the three major credit platforms under BAT. The other two credit platforms are Jiebei and Weilidai. The backends of these three loan platforms are very strong and they are all big brands.

1. Youqianhua is a loan platform launched by Du Xiaoman Financial. It possesses the core technology of the financial platform and provides customers with safe and reliable loan services.

2. The interest rate of Youqianhua is relatively reasonable and basically will not have any impact on the borrower's finances. Youqianhua has launched three loan platforms for different users, and the interest rates of these three loan platforms are relatively low.

3. The daily interest rate of Manyi Loan is as low as 0.02%, and the monthly interest rate of Zunxiang Loan is as low as 1%. When applying for a loan on this platform, the borrower will only be charged loan interest, and the platform will no longer charge any other service fees or management.

Finally, Youqianhua has been connected to the credit data of the central bank. The data collected by the central bank is currently the most authoritative data in the country and covers a relatively wide population. Youqianhua has been formally included in the consumer credit service platform under formal national supervision to provide borrowers with safer loan services.

Why choose Youqianhua for loan?
Youqianhua is a loan platform launched by Du Xiaoman Financial. It is developed based on Du Xiaoman Financial's core technology. It has strong technical strength and the current industry-leading big data and AI algorithm capabilities. It builds anti-fraud and credit risk models to control risks in multiple dimensions.

Through its strong technical strength, Youqianhua has comprehensively improved the speed of review and loan issuance. After the platform is opened and reviewed, the borrower can obtain the corresponding loan in as fast as three minutes.