LimitBee is a flexible revolving credit loan product designed specifically for individual users. It requires no collateral or guarantee and provides a comprehensive credit limit based on an individual's creditworthiness, offering convenient, efficient, and low-cost financing services. Unlike traditional loan models, LimitBee utilizes a mature big data risk control model to verify user information, consumption, and credit data from multiple dimensions, accurately determining a personalized available credit limit. This product innovatively adopts a flexible "credit first, withdrawal later" model. Once a credit limit is successfully obtained, there is no need to borrow immediately; unused funds incur no fees, essentially serving as a personal reserve. Fees are only incurred when the credit limit is actively withdrawn, effectively avoiding unnecessary debt, easily alleviating daily financial pressure, and providing flexible and secure protection for personal financial management. This product operates in strict compliance with relevant regulations, with transparent interest rates and fees, and clear rules.
Ⅰ.LimitBee Highlights
Intelligent Assessment - Utilizing multi-dimensional data and artificial intelligence algorithms to generate personalized credit limits.
Simple and Convenient - Once approved, the credit limit is valid indefinitely, eliminating the need for repeated applications.
Flexible Use: Withdraw funds as needed, choosing your own loan amount and term.
Reasonable Interest: fees are only incurred for actual use.
II. How to Use?
Submit Application: Register with your real name and submit a credit application.
Qualification Approval: Comprehensive risk control assessment using big data to determine the credit limit.
Credit Limit Disbursement: Credit approved; the credit limit remains in your account; no fees charged if not used.
On-Demand Withdrawal: Withdraw the corresponding amount as needed.
On-Time Repayment: Repay principal and interest according to the rules; the credit limit is restored in real time after repayment, allowing for repeated borrowing.
III. LimitBee Credit Limit Introduction:
Flexible Withdrawal Period: Minimum 10 days, maximum 280 days. Users can choose their own withdrawal period and withdraw funds as needed.
Withdrawal Amount: Minimum INR 1,000, maximum INR 60,000.
Daily Interest Rate: 0.05%/day, equivalent to a maximum of 18.25%/year.
Withdrawal Fee: A 1% fee is charged on each withdrawal to cover related costs.
You must be at least 18 years of age to use the credit analysis feature of this platform.
If the loan is not repaid by the due date, for example, if a user initially planned to withdraw for 30 days but needs to extend it to 45 days, the excess amount will still be charged a 0.05% extension fee per day.
Withdrawal Calculation Example:
If withdrawing 10,000 Indian Rupees for a term of 120 days at an annual interest rate of 18.25%:
Daily Interest Rate: 18.25%/365 = 0.05%
Daily Interest Payable: 10,000 * 0.05% = 5 Indian Rupees
Monthly Interest Payable: 10,000 * 0.05% * 30 = 150 Indian Rupees
Monthly Repayment: 10,000 * 0.05% * 30 + 10,000 / 120 * 30 = 2,650 Indian Rupees
Total Interest: 10,000 * 0.05% * 120 = 600 Indian Rupees
Total Payment: 10,000 + 600 = 10,600 Indian Rupees Withdrawal Fee: 10,000 INR * 1% = 100 INR.
Amount Received by User: 10,000 INR - 10,000 INR * 1% = 9,900 INR.
The user will receive a credit withdrawal amount of 9,900 INR, which will be repaid within 120 days, amounting to 10,600 INR.
If the user repays early, the bill will be calculated based on the actual number of days the withdrawal was made.
IV. Contact Us
Business Hours: Monday to Saturday, 9:30 AM to 6:30 PM.
Email: cs@ptdaniswarateknologi.com
Official website：https://ptdaniswarateknologi.com/
Address: Graha Mampang Lt.3 suite 305, Jl. Mampang Prpt. Raya No.KAV.100,
Desa/Kelurahan Duren Tiga, Kec. Pancoran, Kota Adm. Jakarta Selatan,
Provinsi DKI Jakarta,
Kode Pos: 12760
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