Which bank is good for pure credit loan approval?
1, Industrial Bank-Xiang Xing Loan
The exclusive cash installment quota issued by Industrial Bank to high-quality cardholders is actually similar to credit card loans, which can only be handled by inviting customers. The minimum amount 1 000 yuan, and the maximum amount is said to be 300,000 yuan. It can also be handled at WeChat Bank, and the system automatically approves the loan, and the loan amount can be obtained on the day when the qualification is good.
2. China Merchants Bank -e invites loans
Personal credit loans issued by China Merchants Bank with credit cards as the carrier can only be handled by high-quality cardholders, with a maximum amount of 300,000 and a maximum loan period of 2 years. In case of activities, you can enjoy preferential interest rate, with a minimum of 0.45% per period, which can be directly handled in the official account of China Merchants Bank credit card WeChat. The system will automatically approve the loan and get the result as soon as possible.
3. Minsheng Bank-National Music Staging
Minsheng Bank has also set up an exclusive installment business called Minsheng Guole Staging for high-quality cardholders, with a maximum amount of 300,000 yuan. Within the limit, three businesses can be handled: bill installment, free installment and cash installment. If you want to borrow money, you can pay by installments in cash. You can transfer the installment amount of Guole to my debit card and repay it in installments.
In addition, there are Pudong Universal Fund and CITIC Express, both of which are credit card-derived loans, and only high-quality customers can enjoy them. I suggest you make good use of your own card, form a good habit of using it and repay it on time, which is more helpful to the success of the loan.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
I suggest you take the money from Xiaoman Finance (formerly Baidu Finance) to get a loan. The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast, as long as 30 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.
Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOU is the financial service of 360 antivirus software, and installment music is owned by Lexin, both of which are big companies.
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 bank is good for credit card loan? Which application is good?
credit card
Which bank is good? Which application is good?
1, Industrial and Commercial Bank of China
Online banking is the most powerful, and there is no limit to the single transaction of U shield users, which is also supported by the above platforms. It is not easy to approve the ICBC credit card (when I apply, I hope that the salary card is ICBC's and can't be used as a card), but if it is used well, the credit card limit is high everywhere. Moreover, ICBC credit card (same city) is free to withdraw cash, and the installment fee is the lowest. Relatively speaking, it is very worth having.
Advantages as above, for customers with assets, it is still good, and the risk control is not very strict. MasterCard Platinum Card, in particular, is very good and worth introducing. Temporary quota is not easy to approve.
2. Bank of Communications
There are many activities in Bank of Communications, and the most popular five-day activities are recharged in the designated supermarket or PetroChina every Friday, and the credit card processing fee is 5%, platinum card 10%, and platinum supplementary card is free.
However, the risk control is strict, the temporary quota is long, and the temporary quota is 3 months. General approval is your fixed amount.
3. Minsheng Bank
The people's livelihood level is good, and you can basically get a card when you visit the RV, starting from 5W. Credit cards are supported, and platinum cards of other banks for more than 6 months can be used. Temporary quotas are easy to approve.
4. Bank of China
Bank of China doesn't believe in asset credit deposits, and it can still issue large cards if it has money. Moreover, among the cards used by commercial banks, China Bank Card is a relatively high-quality card, which is worth owning.
5. China Merchants Bank
China Merchants Bank card is not suitable for online payment, and the amount is generally not very high, but the service is good, there are many activities, it is easy to approve cards, there are many types of cards, the temporary amount is good, and China Merchants Bank debit card is also very awesome. This is also a better card in the card business.
6. China Everbright Bank
There are two main advantages: almost all consumption has points, and the quota is increased faster.
In addition, other card types apply according to their own preferences, and there are some city commercial banks, such as Bank of Beijing, Bank of Shanghai, Baoshang Bank and Bank of Hangzhou, which may be very powerful according to the actual situation in various places.
Generally speaking, China Merchants Bank has a low threshold for handling cards, and the approval is a temporary quota. The credit line of people's livelihood is relatively large. I won't introduce the rest of the details!
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.