1. ICBC financial e-loan: ICBC's personal credit loan, with 0 mortgage and 0 guarantee, can be borrowed from mobile banking, and the interest rate is generally between 4.35% and 5.76%. The specific interest rate will vary depending on the qualifications of borrowers, and the actual interest rate approved on the page shall prevail.
2. Agricultural Bank of China-Netjet Loan: Credit loans such as mortgage and wealth management provided to individual customers can be applied for by themselves, automatically approved and signed online. 1 year minimum interest rate is 4.35%, and the interest rates implemented by branches in different regions will be different.
3. China Merchants Bank-Flash Loan: The maximum personal credit loan of China Merchants Bank is 200,000 yuan. The borrower is 23-60 years old, with stable income and good credit, and can handle it directly on the mobile phone. The annual interest rate is between 5%- 18%, and differential pricing is implemented. Everyone's interest rate is different.
4. Postal Savings Bank-Postal Savings Loan: The unsecured credit loan provided by Postal Savings Bank can be handled online through mobile banking, official WeChat account and other channels, with an annual interest rate of 4.35%-7.05%, and the funds can be used for decoration, tourism, shopping and other purposes.
5. Free loan of China Everbright Bank: The unsecured credit loan of China Everbright Bank can be directly applied for mobile banking, with a maximum loan amount of 300,000 yuan and an annualized interest rate of 6.8%~9%, and various repayment methods such as equal principal and interest, average capital, interest first and principal later are supported.
2. What is BOC Consumer Finance?
China Bank's consumer finance is reliable.
BOC Consumer Finance, BOC Consumer Finance is a licensed online lending platform under the four major state-owned banks. BOC Consumer Finance is a consumer finance company, and there may be multiple loan platforms under the consumer finance company. Therefore, BOC Consumer Finance itself does not provide domestic small-scale consumer loans, and the loan platform usually refers to a loan product, such as Lexiang Loan and Hospitality Loan under BOC Consumer Finance.
The maximum loan amount of BOC Consumer Finance Lexiang Loan is 200,000 yuan, and the collateral is real estate, so the loan amount will be determined according to the appraised value of the house. The higher the evaluation value, the greater the credit line.
The consumer finance interest of China Bank is as follows:
1. The annual interest rate range of "BOC Consumer Easy Loan-Lexiang Loan" is 12%-24%.
2 "Xinyi loan-owner loan" loan annual interest rate range.
3. The annual interest rate range of "Xinyi Loan-Salary Loan" loan is 1 1.5%~20%.
4. The annual interest rate range of "Xinyi Loan-Policy Loan" loan is 15.
Although there are many channels to provide loans to borrowers in the market, some loan platforms not only charge extra fees such as handling fees and service fees, but also make borrowers feel great repayment pressure. Don't miss the users of conscience online microfinance!
1, money to spend
Du Xiaoman is a former Baidu who holds a financial license issued by the China Banking Regulatory Commission and is qualified for private lending. The minimum daily interest rate for completing the examination and approval in 30 seconds is 0.02%.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2360 IOUs
360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age requirement for borrowers is open to college students at 18-55. If you want to apply for a loan in 360, the borrower's personal credit information can't have serious credit stains and the debt ratio can't exceed.
360 IOUs, with a maximum loan of 200,000!
3. Ping An New Loan
Ping An Xinyi Loan is a small loan product under Ping An Pratt & Whitney, which is one of the advantages of the application. Users can borrow and return, and interest is calculated on a daily basis. The minimum loan amount is 2000 yuan, the maximum loan amount is 58 months, and the monthly interest rate is between1.1%-1.53%.
Ping An Xin Yi Dai Click Online Measurement
Want to see whether an online loan company is formal, generally from the following aspects to examine:
First, check whether the loan company has a financial license, and the loan products of the licensed institutions will basically be connected to the central bank's credit information system.
Second, look at the loan application company. Most of them provide credit loans, unsecured and unsecured. Therefore, they will focus on the repayment ability and willingness of loan applicants, such as the need to master personal credit status, income status, debt ratio, work unit and other information. After meeting the loan conditions, they will provide a formal loan contract, and they will be very willing to ask the loan applicant to know all kinds of information about the lending institution without hiding anything.
Formal online lending companies will not charge any fees before lending. Only after the loan is officially issued will they charge interest or a certain fee. Anyone who has to pay various fees before the loan will pay attention.
Third, depending on whether the loan interest rate meets the national regulations, the loan threshold of formal lending institutions will not be particularly low, and the interest rate will be within the scope stipulated by the state. Many so-called "low threshold, low interest" lending institutions, if they are not eligible for loans, often get less loans than they actually do, and the comprehensive loan cost is very high after deducting various service fees.
3. What are the interest rates of major banks?
There are many kinds of banks, some for enterprises, some for individuals, some for different groups of people and some for different purposes. Although banks do not require collateral, they have strict requirements on the income, assets and credit information of borrowers. Generally, the benchmark interest rate will rise, and the rise rate is large. The specific loan interest rate is related to banks, loan products, loan term and borrower's qualification. Take Citibank's "Happiness Loan" as an example, the standard monthly interest rate is 1.65%, and the preferential monthly interest rate is 1.4%. Changsha Loan reminds you that in addition to paying loan interest, there are also account management fees and other fees in most banks. It is said that the account management fee of Standard Chartered Bank is 0.49% per month (calculated according to the total loan amount). So is the company. Lending companies usually control the interest rate within four times of the bank's benchmark interest rate, but with other expenses such as management fees and handling fees, the total loan cost is usually four times higher than the bank's loan interest rate. The above is invested by Changsha Loan-Changsha Hongxun.
4. Is the interest rate of CCB personal loan 50,000 high?
50,000 loans are unsecured, and the interest is relatively higher than that of mortgage loans. The interest rate is about five per year, and the annual interest rate is 2500 yuan.