Many modern people will spend more than they want, even if they have no money, they will buy it in buy buy. There are many loan platforms on the market. If borrowers want to avoid being cheated, they must choose a formal platform to borrow money. So what are the formal lending platforms? Here, I have compiled the top ten online loans for everyone, all of which have low thresholds and high speed.
What are the formal lending platforms? 1. Borrow the credit loan first launched on Alipay, with a maximum amount of 200,000. The loan service is provided by Ant Consumer Finance. If you have an Alipay real-name registration system account, Sesame will have a chance to open if you score more than 600 points. Pay attention to the amount of money you borrow. A single loan can only be up to 40 thousand. If the borrower's quota is more than 40,000 yuan, it is necessary to make multiple loans, and each loan needs to be re-examined. The online loan products of 2.JD.COM Gold Bar Jingdong Finance do not need mortgage guarantee, and they can be loaned if they meet the requirements and obtain system credit. Under normal circumstances, they can apply at any time 24 hours a day, which is basically automatically reviewed by the system and rarely calls back. Basically, they can get the money through the loan on the same day. 3.360 IOUs are also one of the top ten online loans, operated by more than 360 departments. Through the review and evaluation of 360 big data combined with the borrower's comprehensive credit conditions, the borrower meets the basic conditions, with good credit, stable solvency and relatively easy payment, with a maximum amount of 300,000 yuan, which can meet the large capital needs of many people. 4. There is no separate APP for the credit loan launched by Micro-loan Weizhong Bank, and it can only be borrowed through mobile QQ or WeChat. If it is a WeChat loan, the borrower should look in the WeChat wallet to see if there is a small loan to borrow money. If yes, you need to apply for a quota. The loan can only be made after the system credits, and the results can be produced in a few minutes at the earliest. 5. The credit loan products of Anyihua Consumer Finance are also the top ten lending platforms. Borrower 18-55 years old or above, with relatively stable work income and good personal credit. After completing the real-name authentication, he can apply for borrowing money, but because the daily loan amount is limited, he can only withdraw cash if he grabs the amount. 6. Meituan borrows pure credit loans from Meituan APP. Cooperative licensed financial institutions provide loan services with a maximum amount of 500,000. Users who frequently use Meituan accounts and are highly active must apply for a quota to borrow money. Everyone has different qualifications and different quotas. After borrowing money, the system will automatically approve it, and the result will be known in a few minutes at the earliest. 7. Zhaolian Good Loan The loan products launched by Zhaolian Consumer Finance are not routine, and the interest rate is within the scope of legal protection, which can provide borrowers with a loan amount of 200,000-200,000. One-time credit can be recycled, and each loan needs to be re-examined. Once passed, you don't need to wait, just lend to the bank card. 8. Weibo borrowed money. The formal online lending platform in Weibo is also provided by licensed financial institutions. You don't need a mortgage to borrow money on it. As long as the borrower reaches the age limit, there is no problem with credit and repayment, and he can borrow money after obtaining the system credit. The better the qualification, the easier it is to pass and the faster the next payment will be. 9. Rongge Wallet is one of the formal online lending platforms, with high quota and fast lending. It also takes the form of unsecured loans, and the borrower's credit status will be evaluated when applying. Chinese mainland residents aged 22-55 can get loans as long as they have good credit and stable income. 10. The online lending platform of licensed financial institutions in Zhongyuan Consumer Finance can provide a line of1000 ~ 200,000. Because it is differentiated credit, different borrowers get different loan amounts. After submitting the loan application, the system will automatically approve the loan. Note that the mobile phone number and ID card address are Hong Kong, Macao, Taiwan, Xinjiang, Guangxi and other places, and you cannot apply. The above is the introduction of "What are the formal lending platforms". I hope it will help everyone.
Second, what loan software has a low threshold?
The following four banks have low loan thresholds:
1, quick loan from CCB. China Construction Bank Express Loan is a credit product of China Construction Bank.
Among them, fast loan e has the lowest application threshold and e loan has the highest. Users can try to apply as long as their personal credit information is good and they have relevant accounts in CCB.
2. Bank of Communications enjoys loans. Bank of Communications Enjoy Loan is a credit card loan product owned by Bank of Communications, which does not occupy the credit card limit and can give users a maximum credit limit of 6,543,800+0.5 million.
The threshold for Bank of Communications to enjoy loans is not high. As long as you hold it, try to apply for a good loan at Bank of Communications Mobile Banking.
3. China Merchants Bank E provides loans. The credit line of the loan product is also a credit card loan product. You can apply for a loan of 200,000 yuan without occupying the credit card line.
Users with CMB credit cards can try to apply. If it is in the preferential period, the daily interest rate of China Merchants Bank E loan is as low as 0.
4. BOC e loan. Bank of China e-loans online consumer loan products.
Users who have paid wages in the central bank for more than 6 months, paid mortgages in China Bank for more than 24 months, and paid provident fund in China Bank for more than 6 months can try to apply. The maximum loan amount of China Bank E loan is 300,000 yuan.
It is generally understood that profit is needed.
Loan is a form of credit activity in which banks or other banks lend monetary funds under the conditions of repayment. Generalized loan overdraft and other borrowing funds.
Issuing silver coins and money funds can meet the needs of social expansion and reproduction for economic development. At the same time, banks can also get interest income from loans and increase their own
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks operate on the principle of sex and practice autonomy and self-discipline."
1, loan security is the top priority for commercial banks.
2. Liquidity refers to the ability to recover the loan according to the scheduled period or realize it quickly without loss of land to meet the needs of customers at any time.
3. Efficiency is the basis of sustainable operation of banks.
For example, if the loan is issued in advance, the benefits will be good, but if the loan term is long, the risk will be great, the security will be reduced, and the liquidity will become weak. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method:
1, the sum of interest and payment shall be repaid in equal amount every month. 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: A repayment method in which the borrower distributes the loan amount evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. That is, the borrower repays the loan principal in one lump sum on the loan maturity date [the loan with a term of less than one year (including one year)], and the loan bears interest on a daily basis and the interest is 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.
3. What are the top lending software?
360, Baidu Flower Garden, many of them are unreliable, and the interest on borrowing money is very high. If the interest and handling fee of 1000 is nearly 1000 a month overdue, I will tell you directly. You can call the police, they can, and they don't care. In short, you just can't get your money back. I advise you to go to the bank in the future, at least there is protection.