The first type: banks are loan platforms.
In the inherent impression, the bank's loan product review is very slow. Mortgage loan is one month, and credit loan is seven days at the earliest. However, in fact, banks have also made many changes in fast loan products. For example, Ping An I Loan, China Construction Bank-Express Loan, etc. Online auditing and real-time payment can also be realized.
Take Ping An I Loan as an example. The loan amount is 1 1,000-30,000 yuan, the loan term is 1 month, and the daily loan interest rate is 0. 1%. The interest rate is calculated on a daily basis, and no interest is calculated without cash. Users can apply for self-service through Amoy Qian Bao website, and they can lend money on the same day after approval.
Advantages and disadvantages: the threshold of fast loan products of banks is relatively high, and only high-quality customers can apply for loans. Some people with defective qualifications may be blocked from lending, but the strength of bank loan products has crushed many small loan products in the loan interest rate.
The second type: Internet e-commerce small loans
With the rapid development of internet finance, many enterprises have entered the financial field and started their own microfinance products. For example, Alipay loan, WeChat micro-loan, JD.COM gold bar, Xiaomi loan, Wanda loan, 360 IOUs, etc.
Take Alipay loan as an example. The loan amount is between 500 yuan and 300,000 yuan, and the loan interest rate is between two ten thousandths and five ten thousandths of the daily interest rate. Users can download Alipay APP, find the loan entrance in the sesame credit column, and apply online directly in advance, and the loan time will arrive in 3 seconds at the earliest.
Advantages and disadvantages: The advantage of Internet small loan is that it may be the fastest loan product. However, the disadvantage is that the interest rate is high, all products are invited by white list, and there is no way to manually open the quota.
The third type: P2P platform or small loan company.
Do P2P platforms, companies and companies have loan products that arrive quickly? Also, P2P platforms and corporate loans are faster than traditional banking products, but slower than Internet small loan products. Take the loan auction or group loan network as an example. If you apply for a loan on these platforms, you can make the next payment on the same day at the earliest.
Advantages and disadvantages: the advantage is that the threshold is low and the people who meet the conditions for applying for loans are relatively wide. However, the disadvantage is that P2P platforms and small loan companies are mixed. Most of the platform loan interest rates are very high, and some even have an annual interest rate of more than 20%, which may be accompanied by various miscellaneous fees. The borrowing cost is too high for the borrower.
The fourth type: small fast loan products.
This is easy to understand. Generally, it is a microfinance product developed by small loan companies, consumer finance companies and internet finance companies. There are 36 periods with a long cycle, such as Hengyi Loan; You can borrow it for 7 days in a short period, such as cash bus and Qian Bao.
Advantages and disadvantages: For online small-scale fast loan products, the loan amount applied for the first time is usually not too high, and it is necessary to repay the loan on schedule or provide more qualification information to increase the credit amount. At the same time, the total interest rate of some products is high, which is only suitable for short-term turnover and not suitable for borrowing for too long.
Which online lending platform is formal?
Formal lending platforms are:
First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.
Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.
3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.
4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.
Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.
Which bank is reliable for online lending?
Ping An Bank loans are reliable. Ping An Bank is a commercial bank established with the approval of China Banking Regulatory Commission, which can carry out loan business and is a reliable loan bank.
As one of Chinese mainland 12 national joint-stock commercial banks, Ping An Bank's loans are naturally completely reliable. At present, Ping An Bank's loan business ranges from personal unsecured credit loans to mortgage loans, car loans and personal small consumer loans. As a fully formal bank, everyone can use the loan with confidence.
Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks, headquartered in Shenzhen, Guangdong. Formerly known as Shenzhen Development Bank, it is the first publicly listed national joint-stock bank in China.
China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it still needs the insurance company's audit to repay the loan, which is equivalent to being guaranteed by Ping An Group. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month.
It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank handed over risk management to Ping An to check customer information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination.
It can be said that the threshold of this loan product is the lowest among all platform loans, and its functions are relatively comprehensive. Some platforms are difficult to approve if they have loan records before, but they can continue to lend in Ping An Bank. No matter whether you have paid the monthly payment or used the housing provident fund loan before, you can pass the loan approval again, and all the approvals are online. As long as the conditions are qualified, it is very convenient to lend money quickly.
Can I apply for a loan online? What is the formal online loan process?
With the rapid development of the Internet, many things can be done directly online now, which brings great convenience to our lives. Then, can I apply for a loan online? What is the formal online loan process?
Can I apply for a loan online?
First, you can apply for a loan online. Among them, there are several ways to apply for loans online:
(1) Go through the official banking procedures: most banks have access to credit loans and personal loans in official website. We can fill in the application materials in official website, submit relevant materials as required, and wait for the bank's review.
(2) Handling through loan supermarkets: There are many loan intermediary platforms and many product entrances. We can download such a loan supermarket and apply for a loan on it.
(3) Apply directly in the loan company official website: Now many small loan companies have official website, and they can also apply for loans in official website.
However, there are too many now to believe them all. Be sure to find a regular company. Loan scam
What is the formal online lending process?
It is understood that the process of online lending is generally as follows:
(1) Seek suitable lending institutions. The first step of online lending is to find a suitable lending institution online.
(2) Apply for a loan through the webpage. Usually, formal lending institutions have special channels for applying for loans, and borrowers can apply for loans directly through this channel.
(3) The lender gets in touch with the borrower. After the lending institution receives the application, a business specialist will get in touch with the borrower, usually by phone or qq.
(4) The borrower goes to the salesman's work unit to have an interview on loan matters and discuss loan-related matters.
(5) The borrower and the borrower sign a loan agreement.
(6) Lending institutions issue loans.
(7) The borrower repays the loan as agreed in the contract.
The above contents are briefly introduced in view of whether online loans can be handled and the process of online loans. Among them, when lending online, we must pay attention to choosing a formal lending institution to avoid falling into the trap of scammers.
Can banks borrow money online? Online formal bank loan platform to share!
With the continuous development of internet finance technology, banks, as the leader of the credit market, have also launched many small loan products that can be applied online. Many users have asked, can banks borrow money online? Let's share with you four formal online bank loan platforms. Let's have a look!
Can banks borrow money online?
1, Agricultural Bank of China Network Dai Jie
Online lending is a small loan product provided by Agricultural Bank of China for individual customers who meet certain conditions. Customers can apply independently through mobile online banking of Agricultural Bank of China. The daily application time of NetJet Loan is from 7: 00 to 22: 00, and there will be a maximum limit every day. If the limit of the day is exceeded, the system will prompt "the limit that can be applied for today has been used up, please apply again the next day".
2. China Merchants Bank E invites loans
E-Rent Loan is a small loan product under China Merchants Bank, which supports borrowing for repayment with a daily interest rate of 0.05%. You can also choose the method of staging, with the rate starting from 0.75%. According to the bank's assessment of personal credit, the interest rate will be different. If the borrower applies during the promotion period, the loan interest rate can reach 0.04%.
3. White-collar loan of Postal Savings Bank
"White-collar loan" refers to a loan product without any mortgage issued by the Postal Savings Bank to eligible borrowers under the condition of maximum revolving credit. The maximum loan amount for white-collar loans is 300,000 yuan, and the borrower must provide his/her valid ID card, work certificate, income certificate, marriage certificate and other materials.
4. China Merchants Bank lightning loan
China Merchants Bank's lightning loan is a consumer credit loan of China Merchants Bank, which can be applied for by mobile banking. The borrower applies for the lightning loan of China Merchants Bank without mortgage and guarantee, without written materials or going to the counter to apply. The loan approval can be completed in 60 seconds at the earliest, and the success of the lightning loan is subject to the system audit.
The above is the related content sharing of "Can banks lend online?". I hope I can help you!