Therefore, it is not only the first private bank loan product in China, but also a well-known Tencent background platform. Its regularity is self-evident, the key point is that its daily interest rate is obviously between 0.02% and 0.05%, the annual interest rate is between 7.2%- 18%, and the interest rate is relatively low.
2. ICBC Financial Electronic Loan
As a personal credit product of one of the four major commercial banks in China, China Industrial and Commercial Bank is naturally formal and safe to borrow from this platform, and the lowest annual interest rate of borrowing is based on the quoted interest rate in the loan market plus 50 basis points in the same period, that is, the lowest interest rate is LPR+0.5%. According to the LPR data released in June, 2022, the minimum annual interest rate of loans can reach 3.7%+0.5%=4.2%, which is true.
3. Recruit good loans
Zhaolian Consumer Finance is a revolving credit product. Zhaolian Consumer Finance is a formal financial institution jointly established by China Merchants Bank and China Unicom, two fortune 500 companies, and approved by China Banking and Insurance Regulatory Commission. Its lending platform is safe and reliable, and the interest rate is open and transparent. The annualized interest rate (simple interest) ranges from 7.3% to 23.725%, that is, the lowest annualized interest rate is 7.3%, and differentiated pricing is carried out according to the risks of different users.
4.JD.COM gold bars
Jingdong Finance's cash lending platform is operated by a licensed institution. There are three ways of borrowing interest: daily interest, equal monthly interest, interest first and principal later. The lowest daily interest rate is 0.0 19%, the equivalent monthly interest rate is 0.39%- 1. 13%, and the converted annual interest rate is 0.39%.