A loan platform with a relatively low threshold
Which platform for online lending is reliable, with low interest and easy access?
Today, we will answer your questions.
Bian Xiao of this station replied:
1. Money Spending is a loan platform owned by Xiaoman Finance, with strong background. Qianhua provides personal credit loan products such as easy loans and privileged loans, which can meet the needs of most lenders. Satisfied loans and exclusive loans with money are not low. The maximum amount of all-easy loans is 200,000, and the daily interest rate is as low as 0.02%. There is no handling fee. The maximum amount of exclusive loan is 300,000 yuan, and the monthly interest rate is as low as 1.00%. 2. Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is generally 0.02%-0.05%, which can be repaid with the loan. 3. Micro-loan Micro-loan is a credit loan product launched by Weizhong Bank, a subsidiary of Tencent, an Internet company. Small loans charge interest on a daily basis. The daily interest rate varies from person to person, and the comprehensive loan interest rate is around 0.05%. 4.JD.COM Gold Bar JD.COM Gold Bar is a credit loan product launched by JD.COM. There are 500 gold bar loans in JD.COM. Adopt differentiated credit and interest rate pricing. Different users may apply for "gold bar" loans with different interest rates. The loan can be repaid in installments of 1, 3, 6 and 12 months. The actual term of a single loan is not necessarily a whole month, and interest is calculated on a daily basis. Today's headline can provide you with a loan of no more than 200 thousand, without mortgage and guarantee. You can apply online through today's headline mobile app. Rest assured, the daily interest rate is as low as 0.03%. In other words, the loan interest of one day 10000 yuan can be as low as 3 yuan. 6. Meituan's living expenses Meituan's living expenses are a loan platform launched by the Internet company Meituan. You can apply through Meituan's mobile app. At present, the living expenses of the US delegation are in the form of targeted invitations. Only invited friends can apply for the living expenses of the US delegation. In general, the initial quota for each person is 8000- 10000 yuan. 7. Zhaolian Good Term Loan Good Term Loan is a kind of credit loan, which is an online personal consumption loan product launched by Zhaolian Consumer Finance Company. The loan amount of Zhilian Premium Term is 654.38 yuan+0,000-200,000 yuan. The line is valid for 3 years and can be recycled within 3 years. 8.360 IOUs 360 IOUs are consumer credit products under 360 Financial Group. You can borrow 360 IOUs from 500 yuan, up to 200,000.
Small gyro: loan app, credit range: 1000-20000. By submitting information, it is easy to make the next payment. Application requirements: 18-55 years old, mobile phone real name for 6 months, sesame score 580. China Post Wallet: With a background of savings bank and a formal license. The amount is as high as 200 thousand, the interest is low and it can be recycled. Baoxin Easy Loan is the easiest app to borrow, new, unsecured and unsecured, with low threshold and low interest rate! Sesame score above 580, ID card, sesame score authorization, application quota 1000-30000, online review, the fastest ten minutes. Credit loan, fresh cut, sesame score above 600, the pass rate is super high! 20-40 years old, Chinese mainland ID card, mobile phone real name registration system 12 months, 1500- 10000, online automatic review, the fastest 1 minute to pay! 1, Alipay: Needless to say, everyone has heard of this platform. You can pay more attention to it, so as not to know the credit limit. Micro-loan: The opening of online banking is still relatively formal, and the invitation system is adopted. Go and have a look on WeChat. : 1, the emergence of loan risks often begins in the loan review stage. Based on the comprehensive judicial practice disputes, we can see that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, but lack due diligence. It is difficult to identify the fraud in the loan and it is easy to cause credit risk. Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. 2. The legal content of the pre-loan investigation, regarding the legal establishment and continuous and effective existence of the borrower, examines the legal status of the borrower. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the borrower's foreign investment exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; With regard to the guarantee, for the guarantor, the qualification, reputation and performance ability of the guarantor should be investigated. 1. The mortgage lender goes to the bank to apply for a loan. If they want to apply for a loan with lower interest rate, mortgage loan is a good choice. Because for banks, lenders can provide collateral with a certain value, and the risk of loans overdue and capital loss is greatly reduced, then banks will be willing to give lenders lower loan interest rates. When a lender applies for a mortgage loan, there are many things that can be used as collateral. More common are real estate, luxury cars and famous watches. Lenders can also use certificates of deposit, wealth management products, stocks and funds as collateral. The credit line of a general mortgage loan is determined according to the collateral, most of which is about 70% of the value of the collateral. In addition to mortgage loans, the loan interest rate of secured loans will also be relatively low. 2. In addition to applying for mortgage loans, provident fund lenders can also try to apply for provident fund loans. In essence, provident fund loan is a kind of welfare loan, and the loan interest rate of provident fund is usually much lower than the ordinary loan interest rate of banks. But similarly, the threshold for applying for provident fund loans is higher than that for ordinary bank loans. It should be noted that not everyone can apply for provident fund loans. Only users who need to pay provident fund and those who meet the loan payment conditions can apply. Moreover, provident fund loans have a maximum limit. Users can consult the local provident fund management center first, and the amount may be slightly different in each region. Interest rates of major banks Under normal circumstances, major banks will determine the minimum benchmark loan interest rate according to the latest LPR interest rate announced by the central bank. For example, in August of 20021year, the latest five-year LPR interest rate of the central bank was 4.65%. Most banks float on the basis of 4.65%, and the benchmark interest rate for five-year loans is set at 4.9%. Of course, some banks have different interest rate algorithms, and the degree of implementation will be different. For example, in rural commercial banks in Northeast China, the benchmark interest rate for five-year loans is 5. 1%. In July in Shanghai, in response to the policy, major banks also raised the benchmark interest rate for the first home loan to 5. 1%. But for most property buyers, when choosing a loan application bank, they will choose a well-known state-owned bank or commercial bank. The 30-year mortgage interest rates of ICBC, Central Bank, Agricultural Bank, China Construction Bank, Bank of China, Bank of Communications and Shanghai Pudong Development Bank are all based on 4.9%, and then fluctuate according to the individual comprehensive qualifications of the buyers. The interest rate of provident fund loans is the same for every bank, which is 3.2 1% for more than five years. However, SDB is quite special, and the interest rate of provident fund loans for more than five years is 4.5%. This kind of loan is unreliable. First, the interest rate is high, and second, there are many routines. You should pay attention to some platforms, for example, platforms that require you to submit a deposit or open members are fake platforms. Don't click on online loans to affect personal credit. This is the credit information system at the meeting. At that time, the data points will be spent and you can't hand them in anywhere. "Enjoy Loan" is a mobile Internet loan service platform and offline loan product, which is mainly aimed at emergency consumers aged 20-45 who have stable jobs but low income and advanced consumption awareness1000-3,000 yuan. , covering service personnel, company clerks, business sales, skilled workers and other industries. Companies adhering to the * * * innovation, * * enjoyment, * * * win-win development philosophy. We are committed to becoming an excellent financial company serving the public in inclusive finance. Xiang Hao Loan is a loan product of Jiaxing United SME Financial Services Co., Ltd. at present. The loan threshold is relatively low, and the loan review is generally one hour. The loan term is 7-2 1 day and the loan time is 1 hour. The above content is about how to enjoy the loan and what is the approval rate of the loan. I hope that through the above, my friends can have a certain understanding of him. Many people know that online lending has certain risks, so we must be cautious when lending. Try not to borrow money when we don't need it especially, because its interest will keep rising, which will seriously affect our normal life. Under normal circumstances, lending institutions will choose to lend money to qualified users to ensure that their money can be recovered on time. A low-threshold online lending platform, such as ignoring black households and having no sesame seeds, can give such low application requirements, and there must be other returns, such as high interest, or simply a liar platform to deceive customer data for trading. Therefore, when choosing an online lending platform, we should choose a platform that has normal requirements for users. If the requirements are too low, it is best not to apply. The fees charged by formal lending institutions are only charged after the loan is successful, and no fees are charged before the loan. However, there are many micro-loan platforms that charge users fees in various ways before lending, but after successful repayment, they may not be able to really repay. According to relevant regulations, once the loan interest exceeds 36%, it belongs to usury. Therefore, before determining the loan, we must first understand the actual interest charged by the loan product, not just the information provided internally. Generally speaking, only through the feedback of actual users can we really understand the specific interests. In addition, the lender is also one of the reference projects.