The following banks have credit loans: 1, ICBC's e-loan, 2, CCB's fast e-loan, 3, Agricultural Bank of China, 4 and Bank of China's payroll loan.
1, ICBC Rong e loan
Requirement 1: Handling the following businesses is conducive to obtaining the qualification to handle and frequently use ICBC credit cards with good credit, and handling the bank's deposits, wealth management, funds, precious metals, pensions, enterprise annuities and other businesses; Handle the personal housing mortgage loan business of our bank and make records; Become a payroll customer of our bank.
Requirement 2: Work in the business area where you work (where you pay the provident fund, taxes, social security, etc.). ).
Requirement 3: it cannot be used for buying houses or developing real estate projects; It shall not be used for investment, lending or arbitrage.
600 yuan-800,000 yuan; The mobile terminal can apply for a total amount of 300,000 yuan, and the repayment method for the excess part offline is equal principal/equal principal, and some customers can choose to repay the principal when it is due.
Loan term: 12/24/36.
2. China Construction Bank Fast Electronic Loan
Requirements: Individual CCB customers with good credit may get a line as long as they handle business in CCB (such as saving money, purchasing wealth management, national debt, funds, loans, paying wages on behalf of others). ), it will be automatically reviewed across the board and cannot be used for house purchase or real estate project development; It shall not be used for investment, lending or arbitrage.
3. ABC's online fast loan, requirements: ABC's personal housing loan customers, payroll customers, VIP customers, customers who pay housing provident fund on time in some areas, and other white list customers.
4. Bank of China, wage loan.
Requirements: Personal credit revolving loan is suitable for employees of enterprises and institutions with stable and sustained wage income (including but not limited to civil servants, employees of state-owned enterprises, full-time career establishment personnel (such as teachers and doctors), armed police and military officers and soldiers, etc.). ).
Credit loan refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.
Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks.
Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.
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Is the credit company legal?
Whether the credit loan company is legal or not mainly depends on whether the microfinance company is legal or not, mainly depends on whether it has the qualification to carry out credit business and whether there are illegal acts in actual business activities.
1 If a microfinance company has a formal business license and a fixed company telephone and office space, it will sign a formal loan contract when the company lends money, which is generally a formal and legal microfinance company.
It should be noted that if the interest rates of microfinance companies are relatively high, most of them are illegal. Only those with interest rates below 24% are protected by law, and those with interest rates above 36% are not protected by law.
Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks.
Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.
Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.
Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.
Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending. Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not. P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.
What are the domestic financial loan companies? What are the platforms with high pass rate?
What are the domestic financial loan companies?
1, BOC e-loan
The consumer credit loan products launched by China Bank can be applied online in the whole process. The maximum loan amount is 300,000 yuan, and the validity period of the loan amount is 12 months. Applicable to calculating interest on a daily basis, and paying it back while borrowing. The annual interest rate of loans is generally around 4.35%. The actual credit line and annual interest rate are subject to the results of system software audit.
2. ICBC Financial Electronic Loan
ICBC Bank issues personal credit loans to eligible lenders and applies online for 724 hours. The loan amount ranges from 600 yuan to around 800,000, with the longest loan term of 3 years and the lowest annual loan interest rate of LPR 0.5%, which is upgraded monthly.
3. Fast loan from China Construction Bank
A full-process online self-help loan launched by CCB can be divided into two types: personal credit quick loan and personal credit quick loan. Personal credit fast loan is an unsecured, unsecured and pure personal credit application. The loan amount ranges from 65,438+0,000 yuan to 200,000 yuan, with the longest loan term of 36 installments and the annual interest rate of at least 4%.
4.ABC Network Dai Jie
The consumer credit loan launched by Agricultural Bank of China has a maximum loan amount of 200,000, a loan term of 1 year, and the longest loan term for consumers in the scene is 5 years. The annual interest rate of the loan can at least enjoy the LPR quotation for the same period. You can download the ABC Pocket Bank for free and apply when you enter the loan-online loan.
5. Convenient loan from Bank of Communications
Bank of Communications does not need to prepare materials in advance to launch personal credit loans. It is purely a personal credit application on the mobile phone, and the system is audited. The maximum loan is 200,000 yuan, which can be divided into 36 installments at most. The minimum annual loan interest rate is 4.32%. There are no other fees for applying for the credit line, and there will be no loan interest if it is not mentioned now.
6. Guangfa e-second loan
GDB launched personal credit loan, applied online all the time, and the system software was audited in time. The maximum loan amount is 200,000 yuan, the minimum annual loan interest rate is 4.8%, and the longest loan period is 3 years. Interest can be calculated on a daily basis, and loans can be repaid while borrowing.
7. Puyin Integral Loan
Shanghai Pudong Development Bank has launched online credit loans and applied online, which can be used at any time during the whole process, free of all service fees. The maximum loan amount is 300,000 yuan, the longest loan period is 5 years, and the minimum annual interest rate of the loan is generally 4%. The actual audit shall prevail.
8. Everbright's fast loan
My credit loan is controlled online all the time, which is suitable for borrowing and returning with ease of use. The maximum credit line is 200,000 yuan, the longest loan period is 36 months, and the minimum loan annualized interest rate is 4%. Loan repayment methods include equal principal and interest repayment and monthly interest repayment.
9. Minsheng Bank promotes flash loans.
For pure credit loans applied online, the maximum loan amount is more than 200,000 yuan, and the minimum annual failure rate is 5.5%. It is suitable for borrowing and returning, and the interest is calculated on a daily basis. It can be repaid in advance without any additional service charge.
10, e-loan from China Merchants Bank
Credit loans issued by China Merchants Bank to bank credit card holders can be applied online through China Merchants Bank Pocket Life, and the system software will immediately review the next payment. The loan can be divided into 36 months at most, and the annualized rate of the loan converted by installment interest is between 0%- 18%.
What are the platforms with high pass rate?
1, 360 IOUs
360 Financial Group's pure personal credit micro-loan is especially suitable for wage earners to apply. Although the loan interest is higher than the bank loan, it is better than the pass rate, and the credit line is 50,000-200,000. This product was launched in September, 2065438+2006, which requires higher personal credit information of borrowers. If you have a bank credit card and personal social security, the application pass rate is higher.
2. Recruit good loans
Zhaolian is a financial enterprise approved by China Banking Regulatory Commission, mainly engaged in trade loan business. As a popular commodity, long-term loans will naturally attract a lot of attention. The application standard for a good loan is very simple, as long as 18 (inclusive) -60 (inclusive) has a good job and a fixed income; Or full-time students aged 18 (inclusive) -30 (inclusive) with college education or above can apply. If you have a mortgage, car loan or bank credit card, and your personal credit record is excellent, then your application will be easier to pass and you can get a higher quota.
3. CCB Express E Loan
As long as I have good credit and certain funds, it is best to have housing loans or financial investment savings in CCB, which has a high success rate. The most important thing is that the loan interest is very low, and it also provides interest.
4. Arbitrary loans
Everyone should have a deeper understanding of Suning's discretionary payment. Both discretionary loan and Suning discretionary payment belong to Suning Financial Group. If you are a daily active user of Suning's financial industry, you can get a discretionary loan amount if your loan qualification and personal credit meet the requirements.
What are credit loans and credit loan companies?
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee.
Let's introduce the credit loan company.
The characteristic of credit loan is that the debtor can get the loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as the repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.
Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. It is mainly applicable to enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the requirements of the General Principles of Loans and banking regulations.
Credit loan companies lend money to investors, stipulate the loan term, and the borrower repays the principal and interest within the specified time, which is a short-term financial return.
Investment group invests in the project, forms shares and participates in the future profit distribution of the project, which belongs to long-term financial return.
Do you know the following companies of Zhengzhou Credit Loan?
The cost of living in Zhengzhou is also increasing day by day, and many people will choose credit loans, because credit loans do not need mortgage and have low requirements for personal information. So, what credit loans are there in Zhengzhou? Which companies can citizens with loan needs choose? Let's introduce it below.
2. Henan Huixiao Financial Services Co., Ltd..
Henan Xiao Hui Loan Financial Services Co., Ltd. is a provincial-level qualified company approved by the Henan Provincial Department of Industry and Information Technology, approved by the Provincial Administration for Industry and Commerce and registered by the Provincial Administration for Industry and Commerce. As a local company, supported by Henan policy, it is a reliable Zhengzhou credit loan company with fast payment.
3. Henan Dingyuan Investment Consulting Co., Ltd.
Henan Dingyuan Investment Consulting Co., Ltd. is mainly engaged in credit loan services for local small and medium-sized enterprises and individuals in Zhengzhou. The company has established a solid and close cooperative relationship with the bank, and the two sides have formed a good reputation foundation through continuous business exchanges.
4. Zhengzhou Wanfu Company Limited
Zhengzhou Wanfu Co., Ltd. is one of the better credit loan companies in Zhengzhou. Located at No.3 Future Road, Jinshui District, Zhengzhou City. It is a professional financial company approved by the Henan Provincial Department of Industry and Information Technology, with a registered capital of 1 100 million yuan. Loans here are generally guaranteed.
5. Zhengzhou Yixin
Zhengzhou Yixin micro-loan service, the amount can reach 300,000. The procedure is convenient, and you can apply only with materials such as identity and proof of work income. There is no agency fee and pre-loan fee, and the rate is the best in the industry! Easy monthly payment, the longest period is 48 months. It can be completed in two working days at the earliest, and it is easy to solve customer problems. CreditEase is also a credit loan company used by Zhengzhou people.
Simply count the top ten bank credit loans, which financial loan companies are there in China?
Simply count the top ten bank credit loans, which financial loan companies are there in China?
1, Consumer Credit Company
Characteristics of the company: It was established with the approval of China Banking Regulatory Commission, and it does not absorb public deposits, with most registered capital above 1 100 million yuan. The IOU shows that the maximum credit line does not exceed 200,000, the loan business process does not belong to housing loans and car loans, and the loan assets are only used for daily transactions such as household appliances and furniture, wedding, holiday travel, culture, education and medical care. Symbolic companies include: BOC Consumer Finance, Zhaolian Consumer Finance, China Post Consumer Finance, Instant Finance and Ping An Consumer Finance.
2. Ordinary banks
Characteristics of financial institutions: specialized in loan business, able to absorb public deposits and provide various financial loan management. Loans show that for different types of loans, the maximum credit line of loans can reach tens of millions, and the longest loan period can reach 30 years. There are several mortgage guarantee methods for loans, such as credit, pledge and financial industry.
China's banking industry includes: Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Bank of China, Shanghai Pudong Development Bank, China Merchants Bank, China CITIC Bank, Industrial Bank, Minsheng Bank, China Everbright Bank and China Guangfa Bank.
3. Company
Company characteristics: audited and controlled by regional financial supervision departments, not absorbing public deposits, operating loan business processes, etc. The loan shows that it can not only provide trading loans for ordinary people, but also provide business loans for small and medium-sized enterprises and self-employed, with a maximum credit line of several million. The iconic companies are: Zhejiang Ideal Company, Chongqing Dumanman Company and Ant Company.
4. Financial leasing companies
Company characteristics: approved by the regional financial supervision department, it does not absorb public deposits and operates financial loans. Loan display: basically related to auto financing leasing business, including new car loan, used car loan and used car leaseback. Compared with financial institutions, the procedure is simpler and the next payment is faster. Symbolic companies include: China Enterprise Huitong International Financial Leasing (Tianjin) Co., Ltd. and Shanghai Yixin Financial Leasing Co., Ltd.
5. Auto Finance Company
Company Features: A non-bank financial enterprise approved by China Banking and Insurance Regulatory Commission, which provides financial loan services for automobile consumers in China. Loan display: according to the loan qualification standards of automobile consumers and their automobile series, the financial loan scheme is given, and the loan period is generally not more than 5 years.
The iconic companies are: Shanghai General Motors Finance Company, FAW Automobile Finance Company and Changan Automobile Finance Company. In addition, some financial institutions such as financing guarantee companies, pawn companies and regional investment management companies approved by the financial regulatory authorities can also be regarded as the category of China financial loan companies.
Non-bank loan financial enterprise
Non-bank loan financial enterprises refer to enterprises established with the approval of the People's Bank of China, generally including pawn companies, loan guarantee companies and their microfinance companies. There are mainly China Post Consumer Finance Co., Ltd., Instant Consumer Finance Co., Ltd. and Gitzo Consumer Finance Co., Ltd. These companies can generally apply for loan business processes online. The lender needs to be over 18 years old, have a fixed income, can pay it off in one lump sum, and has an excellent personal credit record. For other specific standards, see the relevant regulations of each company. Consumer credit companies supervised by CBRC will truthfully submit loan records.