With the development of the financial industry in recent years, compared with the traditional bank online lending platform, the audit speed is faster and the audit process is relatively simple, which has been favored by many young people. Among many online lending platforms, BAT's three-loan products can be said to be the star products in the Internet finance industry, and their influence in the industry is very great. Which of the three loan platforms is more convenient to apply for a loan, namely, borrowing treasure, micro-loan and having money to spend? Let's analyze it in detail.
borrow
Borrowing is a loan service product launched by Alipay. At present, the invitation system is adopted, requiring applicants to have a sesame credit score of 600 or above. According to different scores, users get different loan lines, which can provide borrowers with loan lines ranging from 1 0,000-300,000 yuan. The platform can provide borrowers with the longest loan term of 12 months, and the average daily interest rate of loans is 0.045%, which supports users to repay while borrowing.
Have money to spend
The money spent is different from borrowing money and micro-loans. Borrowing users can only apply for loans online through the money spent on their mobile phones, and borrowers must be between 18 and 55 years old. (Refusing to lend the money spent to college students), you need to provide your second-generation ID card and your debit card before you can get the loan amount. Take the initiative to apply for money. Usually, borrowers can apply for loans on the platform as long as they have needs. There are two main products for rich flowers, all-easy loans and exclusive loans. All-easy loans can be up to 200,000 yuan, with daily interest rate as low as 0.02%, exclusive loans up to 300,000 yuan, and monthly interest rate as low as 1%.
petty loan
Micro-loan is a credit product of Tencent Weizhong Bank, which adopts the user invitation system. Invite users to enter micro-loans in QQ wallet or WeChat wallet of mobile QQ to apply for loans. It can provide users with a loan amount of up to 300,000 yuan. Micro-loan adopts the repayment method of average capital, which is more suitable for users with a certain economic foundation. In the early stage, it may have to bear greater repayment pressure, and the loan amount repaid in the later stage will be lower and lower. The average daily interest rate of microfinance is 0.05%, and the loan interest is calculated on a daily basis.
To sum up, it is a concrete introduction to the application of three loan products: lending treasure, micro-loan and money-spending. Borrowers can choose a more convenient platform for loans according to their actual situation.
Second, how much money is borrowed?
Fifty thousand. Because the minimum amount is 50 thousand.
Borrowing application conditions
The loan is limited to Alipay's invitation to customers, depending on the user's account. Require users to have a good reputation, focusing on sesame credit score and central bank credit report. If the user has a record of provident fund payment, it is also one of the criteria for good credit status.
How to open and borrow
Find the loan page on Alipay and follow the prompts. At present, borrowing is a combination of online and offline auditing. Generally, there are three ways: telephone audit, video audit and face-to-face signing. After the loan is approved, the amount is valid, usually 30 days, and a new application must be made after the expiration.
Third, in addition to the future staging, Zhaolian Finance also has those reliable lending companies.
The next installment belongs to that company.
4. Which is better for a large loan?
Top ten conscience loans
1.JD.COM Gold bars:
JD.COM Gold Bar is a cash loan service provided by Jingdong Finance. It is bound with stored-value cards and unsecured, and can support cash withdrawal of 200,000 yuan.
2. Borrow (credit loan):
Lending Bao (credit loan) is a kind of loan launched by Alipay, and the loan amount that families can apply for varies, with a maximum of 300,000.
3.360 IOUs:
360 IOU is a consumer credit brand under 360 Science Group. At the age of 20, you will have the opportunity to apply.
4. Didi loan
Didi Loan is a loan service launched by Didi Finance, which adopts a pure credit loan model with a maximum amount of 300,000.
5. Comfortable flowers:
Usage of consumer loan products.
6. Long-term loans:
Good-term loan is a credit elimination introduced by Zhaolian Finance.
7. Stage music:
Staging music is a loan of 200,000 yuan from Lexin.
8. White Cat Loan:
The white cat loan is, the maximum amount is 5 million.
nine
You can get up to 200 thousand, and you can get a loan by providing your ID card and bank card.
10. Withdrawal and consumption:
Tiqianhua is a loan product of Zhongyuan Consumer Finance, with a maximum loan amount of 200,000 yuan.
Loan (e-IOU credit loan) is simply understood as requiring interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Commercial Bank Law stipulates the principles of honesty, liquidity and efficiency, and implements independent operation, self-risk, self-financing and self-discipline management. "
1, the primary problem faced by banks;
2. Liquidity refers to the ability to recover loans or meet customers' demand for withdrawal of deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, long-term loans have high interest rates, but the risk will increase and decrease when the loan term is long. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period, and pays off the loan interest from the previous trading day to the repayment date, and the monthly repayment amount decreases month by month;
3. Repay the loan principal with monthly interest [loans with a term of less than one year (including one year)], and the loan will bear interest on a daily basis and the interest will be repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.