The borrowing platform is relatively easy to pass:
1, Meituan borrows money: Meituan credit loan, Meituan big data is good, and personal credit conditions are good, making it easier to borrow money. From the annualized interest rate of 7.2%, differentiated pricing will be implemented. Everyone's loan interest rate will be different. The final loan result is subject to the system evaluation.
2. Doudou Money: Pure credit loan does not need mortgage guarantee, the borrower meets the basic loan conditions, has no bad credit record, has high account activity, can try to borrow, and has stable repayment ability. The system automatically approves the loan, and the result can be obtained in a few minutes.
3. Financing e-loan: ICBC credit loan with a maximum amount of 500,000, which can only be applied by ICBC customers. If ICBC mortgage or credit card customers have a good loan repayment record and have bought wealth management products in the bank, the loan will be easier to pass, and the loan interest rate of 202 1 is still good.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
To spend money (member-only channel), click online measurement.
Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Staging music can be borrowed up to 50 thousand!
Click online measurement
Which loan platform is better and easier to pass?
A simple and reliable loan platform, and the loan platforms that are easier to pass are:
(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.
(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.
(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.
(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.
(5)360 IOUs: pure credit loan products. If the age meets the requirements and the credit information meets the requirements, you can apply.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it is best to withdraw cash in full, because I read someone else's bright post saying that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and it is safer to withdraw at least 60%.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
First, the conditions that should be paid attention to in bank loans are:
(1) The applicant is at least 18 years old and has full capacity for civil conduct;
(2) The applicant has good credit;
(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;
(4) Having a legal and valid household registration certificate or a valid residence certificate;
(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.
Second, the loan risk.
(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.
(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.
(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).
(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.
(5) Many "dirty" companies want your house, not profit.
Third, because of the so-called low risk and high profit, many private mortgage loans are now handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there will be many routines. Is private loans really not suitable for loans? No, after all, not everyone who needs funds can borrow money from the bank. Private loan companies have solved the problem that many enterprises and individuals urgently need money.
What is the easiest bank loan?
Bank loans from Agricultural Bank, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Shanghai Pudong Development Bank are all relatively easy.
1, Agricultural Bank:
Agricultural Bank of China has branches all over the country, becoming a large modern commercial bank with the largest number of branches and the widest business scope in China. The loan business includes: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement;
Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc.
2. ICBC:
The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
Adhering to market orientation and customer-centeredness, ICBC accelerated business innovation, improved customer service, and strived to build the first retail bank in China, winning the Best State-owned Retail Bank Award in China issued by Asian Banker magazine.
3. Bank of Communications:
Bank of Communications is one of the major financial service providers in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches and 99 provincial branches/KLOC-0, which are distributed in 239 cities above prefecture level.
158 county or county-level city * * 3270 business outlets; It owns seven non-bank companies, including wholly-owned subsidiaries of Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and holding subsidiaries of Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance and Bank of Communications International.
4. China Construction Bank:
It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
5. Shanghai Pudong Development Bank:
The main business of Shanghai Pudong Development Bank includes absorbing public deposits, issuing short-term, medium-term and long-term loans, settlement, bill discounting, issuing financial bonds, issuing agents, paying agents, underwriting government bonds, buying and selling government bonds, interbank lending, providing letter of credit services and guarantees, etc. Including wealth creation of Shanghai Pudong Development Bank, supply chain financing, pension business, cash management, asset custody and offshore bank.
Matters needing attention in loan:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.