Top ten conscience loan platforms:
1. lufax: lufax is an online lending platform launched by the famous China Ping An Group in China, and it is not only online lending, but also many services and projects for you to explore. Because of the backing of China Ping An Group, it will be relatively formal.
2. Pleasant loan: Pleasant loan is an online financial service platform launched by CreditEase. It not only provides financial services for everyone, but also provides many other services, such as loan services, and provides a formal loan service platform for people who urgently need money.
3. Hongling Venture Capital: Hongling Venture Capital is a formally certified online financial lending platform. It takes advantage of the modern era of network big data to build a good lending platform for people, provide a good lending environment for people who need money badly, and let more entrepreneurs appear in society.
4. Pat on loan: Pat on loan is also a very formal online lending platform. Moreover, the auction loan has its own mobile app, through which it can be directly loaned. At present, the cumulative number of registered users has reached 99.02 million, providing a convenient loan environment for many people.
5. Owning my loan: Owning my loan is a formal online lending platform, which has been successfully listed abroad. You-me loans are aimed at people, small and medium-sized enterprises and self-employed. Because of the audience, the threshold of your loan will be relatively lower and easier.
6. Renren Loan: Renren Loan is one of the early online lending platforms in China. Renren Loan was founded by Renren Loan Business Consultant (Beijing) Co., Ltd., and it is very authoritative in the field of self-employed loans, ranking 264 in the 20 19 Hurun Global Unicorn List.
7. Favorable network: Favorable network is a formal online lending platform, and the company registration information can be found in Beijing Haidian Branch. At present, Youyou.com has three different forms of financial products, among which Dingcunbao and Youyoubao are automatic lending products, which are very convenient to use.
8.360 IOUs: 360 IOUs are online loan products launched by 360 Financial Group, a large company, and 360 IOUs are small loans for some self-employed individuals and small enterprises. The upper limit of the quota is not too high, but in terms of safety performance, 360 is still relatively safe and stable.
9. pterosaur loan: pterosaur loan is an online lending platform with operation centers in more than 65,438+000 cities across the country, because its stable online and offline provides a simple and convenient lending platform for people with good credit, making it possible to borrow in one second.
10.e lease loan: e lease loan is an online loan product launched by China Merchants Bank. Because of the backing of big banks, the safety and regularity of this product are guaranteed. E-loan is mainly aimed at people who hold China Merchants Bank credit cards and provide services.
List of Top Ten Conscience Loan Platforms
The top ten conscience lending platforms are:
1.JD.COM Gold bars:
JD.COM Gold Bar is a cash loan service provided by Jingdong Finance. You can borrow money by binding stored-value cards and credit cards, without mortgage, and the maximum withdrawal amount is 200,000.
2. Borrow (credit loan):
Lending treasure (credit loan) is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas, up to 300,000.
3.360 IOUs:
360 IOU is a consumer credit brand under 360 Digital Group, with a maximum loan amount of 200,000. You will have the opportunity to apply between the ages of 23 and 55.
4. Didi Loan:
Didi Loan is a loan service launched by Didi Finance, which adopts a pure credit loan model with a maximum amount of 300,000.
5. Comfortable flowers:
Anyihua is a consumer loan product immediately launched by consumer finance, providing users with a maximum credit line of 200,000.
6. Long-term loans:
Good-term loan is a credit consumption loan launched by Zhaolian Finance, with a maximum amount of 200,000.
7. Stage music:
Staging music is a stage platform for music consumption, with a maximum loan of 200 thousand.
8. White Cat Loan:
White Cat Loan is a credit product of small loans in Du Zhi, with a maximum amount of 5 million.
9. Flower Duck borrows money:
You can get up to 200 thousand, and you can get a loan by providing your ID card and bank card.
10. Withdrawal and consumption:
Tiqianhua is a loan product of Zhongyuan Consumer Finance, with a maximum loan amount of 200,000 yuan.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Which loan company is better?
Reliable loan platforms include: Ant Lending, JD.COM Gold Bar and Xiaoman Finance.
1, ants borrow it:
Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their journey to the Internet through the "Internet Propeller Plan" and providing inclusive finance services for small and micro enterprises and individual consumers.
Borrowing money is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, the consumer loans issued by e-commerce giants are mainly aimed at the staged consumption scenarios of e-commerce platforms. However, with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios are also starting.
2.JD.COM gold bars:
As a sub-brand of digital technology in JD.COM, JD Finance includes personal finance, corporate finance, financial technology and other sectors, and is committed to providing reliable and inclusive digital financial services for individuals and enterprises, helping financial institutions to improve business efficiency, reduce costs and increase revenue, and working with financial institutions to better serve individuals and corporate users.
If there is a demand for funds, it is suggested that Xiaoman Financial's credit service products have money to spend to provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Wealth Management APP (click on the official free quota). The daily interest rate of consumer loans with money is as low as 0.02%, the annualized interest rate is as low as 7.2%, and the maximum repayment is 200,000. The approval speed of Baidu's money is relatively fast, and it can be completed in 30 seconds at the earliest. It usually takes 2-3 working days to review.