First of all, Lily can borrow it at will.
The characteristic of the loan is to apply for all new and old citizens. The maximum credit line is 200,000 yuan, which can be recycled and repaid with the loan. Wechat bank or mobile phone can scan the code with one click, and can repay in advance from the next day.
The loan interest rate gives different interest rate standards to different groups of people according to the big data model, and the interest rate range is 6%- 15.4%.
The loan term is 3 months, 6 months, 9 months, 12 months.
Second, one-click credit loan
The loan object is the official employees of state administrative organs, institutions, state-owned enterprises, large enterprises and other units. Offline application, online self-help lending.
The loan interest rate is 5.2%-5.8%, and the first loan interest rate is favorable to new citizens.
The loan period is 3 years, and the longest loan period is 8 years.
Third, the house is easy to borrow.
The loan object is a China citizen aged 18-60 with full capacity for civil conduct, and the collateral is the property with clear property rights where the handling outlets are located, and the loan purpose is only consumption.
The loan interest rate is 5%-7%.
The shortest loan term is 1 day and the longest is 10 year.
Fourth, carry a package loan.
The loan targets are housing mortgage customers of Lanzhou Bank, including first-hand and second-hand housing mortgage customers, aged between 18-60.
The loan interest rate is 5.5%-6. 1%.
The loan term is the shortest 1 day and the longest is 5 years.
Verb (abbreviation of verb) pledges a one-key loan.
The loan target is time deposit customers of Lanzhou Bank, aged between 18-70.
The loan interest rate is 4.95%.
The loan term is the shortest 1 day and the longest 1 year.
Sixth, agricultural easy loan.
The loan target is farmers, and it is issued in the form of credit. Online agricultural loans with a total credit line of up to 300,000 yuan can apply for withdrawal and recovery through mobile banking and WeChat banking channels.
The loan interest rate is 4.5%-6%, which is determined according to the credit rating of farmers.
The total loan period is valid for 5 years, and the longest loan period shall not exceed 1 year.
Seven. Microfinance for people out of poverty
Loans will be issued to the people who have set up a card to get rid of poverty within the jurisdiction of the loan object, and loans will be issued by households. Marginal poor households can refer to the implementation.
The loan interest rate is 1 year (inclusive). The loan interest rate is 1 year LPR, and the loan interest rate from 1 year to 3 years (inclusive) is 5 years LPR.
The loan term is within 3 years (including 3 years).
Eight, small and micro fast loans
The loan targets are small and micro business owners and individual industrial and commercial households. Personal property mortgage guarantee, one-time mortgage, quota circulation, mortgage rate can reach 70%, the maximum quota is 5 million; 7*24-hour online application, intelligent evaluation, quick approval, and return as you borrow.
The loan interest rate can be as low as 4.5%.
The loan term shall not exceed 5 years. The maturity date of a single business shall not exceed the termination date of the credit line.
Nine, tobacco fast loans
Loan conditions: Self-employed individuals in the province can apply for a business license and a tobacco monopoly retail license.
The loan interest rate is determined in accordance with the interest rate management regulations of the Head Office, taking into account the loan funds and management costs, risk level, regulatory requirements and other factors.
The loan term is the shortest 1 day and the longest is 5 years.
X. Production and financing loans
For the target groups such as the supply chain of regional advantageous agricultural industries and the production clusters of regional advantageous agricultural products, the loan targets carry out financing guarantee business by means of financing scheme customization, batch development, batch customer acquisition, batch approval, batch lending and batch risk control.
The loan interest rate is determined in accordance with the interest rate management regulations of the Head Office, taking into account the loan funds and management costs, risk level, regulatory requirements and other factors.
The loan period is generally not more than 3 years, and the specific financing period is in line with the agricultural production cycle.
XI。 E-Pass tax
According to the data of tax credit rating, enterprise tax payment, opening settlement account in Lanzhou Bank and comprehensive contribution of banks and enterprises approved by tax authorities, the loan object uses the big data risk assessment model to approve the credit line, and issues revolving credit loans to eligible enterprises for short-term production and operation turnover and tax payment.
The loan interest rate is determined in accordance with the interest rate management regulations of the Head Office, taking into account the loan funds and management costs, risk level, regulatory requirements and other factors.
Loan Term The longest validity period of the credit line is 1 year (inclusive), and the longest loan term within the line is 12 months (inclusive).