The top ten formal online lending platforms recognized by the state are: 1 and Ping An Hewlett-Packard; 2. Jingdong Finance; 3. Suning Finance; 4. pat on the loan; 5. Microfinance; 6. borrow; 7. Xiaomi borrows money; 8,360 loans; 9. Have money to spend; 10, recruit a good term loan. Here are several online lending platforms (including the top ten online lending platforms).
Mashangdai
For users, through the mobile phone client app, they can apply for "borrow and return" anytime and anywhere without mortgage or guarantee, complete the approval and loan within three minutes at the earliest, and recover the credit line without face-to-face signing to realize instant consumption. The longest loan period can reach 24 periods. "Borrow and repay at once" mainly provides a loan amount of 1000~ 10000 yuan, with a maximum of 200,000 yuan for a single loan.
Ant, please.
Ant Borrowing is a credit loan product with a loan amount of 5-300,000 yuan, and the longest loan period can reach 1 year. The daily loan interest rate is between 0.02% and 0.05%, and the annual interest rate is between 7.2%- 18%. No matter whether you have a job or not, you can apply as long as your sesame credit score is above 600.
Quick loan
Fast loan is a personal online full-process self-service loan launched by China Construction Bank. Customers can apply for self-help, sign contracts online and approve in real time through CCB's electronic channels, while fast loans include fast e-loans, financing e-loans and pledge loans, among which fast e-loans have the lowest threshold. The loan amount for ordinary customers ranges from 1 1,000 yuan to 50,000 yuan, and the maximum loan amount for financial and private customers can reach 500,000 yuan.
petty loan
Users only need to bind the bank card, click "borrow money" with one click, and then the system will judge the personal credit situation within a few seconds and give a certain amount. And the user does not need any collateral, and can complete the loan online by filling in the information according to the corresponding instructions. The maximum loan is 200,000 yuan.
E Dai
E-loan is a personal online consumer loan launched by Bank of China, which has the characteristics of online application, second-speed approval, online withdrawal and flexible repayment. This product is a credit consumption loan for China Bank to provide high-quality customers with full-process online services by using the Internet and big data technology. The person who applies for a loan can only be a special guest of China Bank. The minimum loan amount is 5,000 yuan and the maximum is 300,000 yuan.
Suitable for borrowing money
It is a new consumer credit loan product launched by Alipay after Lending Bao. Borrowing money also requires binding sesame credit. Applicants need to achieve a sesame score of 670 or above to apply. The maximum loan amount is 200,000 yuan, and the minimum daily interest is three ten thousandths.
How to borrow money online?
The process of online lending:
First, submit the application. Applicants log on to the online lending platform, fill in relevant information on the platform and submit loan applications.
Second, platform audit. The online lending platform checks the information submitted by the applicant through big data or platform risk control, such as the authenticity and credit status of the information submitted by the applicant (the online lending platform connected to the central bank's credit information system requires the user to sign the personal credit information authorization when applying, and the platform can check the credit status of the user by querying the user's credit information) to judge whether the applicant meets the loan requirements.
Third, the platform returns. Some online lending platforms will also pay a telephone call back to the applicant to further verify the applicant's situation.
Fourth, sign a contract. After the platform is approved, it will sign a loan contract with the applicant online.
Verb (short for verb) gives a loan. The platform will release the money to the designated account.
Six, after the successful allocation, the borrower in accordance with the contract agreed to repay the loan principal and interest on time.
When applying for a loan online, you must have a detailed understanding of the loan website to avoid being cheated.
How to get a loan online?
It is convenient and fast to apply for loans through the Internet, and all loan demanders get in touch with loan providers in a short time. In recent years, more and more friends apply for loans directly through the Internet. The following describes the process of online lending:
Generally speaking, the process of online lending:
1. Seek a reliable loan website. At present, there are many kinds of loan websites. Choosing a reliable website can speed up the loan process and avoid being cheated to a great extent. It is suggested to choose a large domestic loan intermediary website.
2, after entering the website, according to their own needs, directional choice of loan types, through the network to provide loan demand;
3. The website reviews personal information, classifies each person's personal information, and finds a matching loan provider, and then the business personnel of the loan provider directly get in touch with the loan demanders;
4. When the borrower goes to the lending institution, the borrower and the lender negotiate loan-related matters in person, such as loan requirements, loan amount, loan interest rate, etc.
5. Sign a loan contract. For formal loans, you must sign relevant legal loan contracts to give the other party a guarantee in the future;
6. loans. After the loan contract is signed, the loan can be completed after the follow-up matters are handled, and the borrower can remember to repay the loan in the future.
Lender Bian Xiao needs to remind you that online loans are usually just a step to seek loan suppliers. After the loan supplier gets in touch, it is still necessary to meet with the supplier's salesman to discuss related matters in detail. At the same time, loans are usually not completed in cities. So, if you claim to be able to do business in the city, you are probably a liar. In the process of loan issuance, if the loan is not issued, the formal loan provider will not ask the borrower to pay any fees in advance. If the other party asks to pay any fees in advance, it is generally a liar.
How to borrow money online
If you want to make online loans, it is recommended to handle the loan business through formal channels for financing, and don't go to those online lending platforms for loans.
Online loans are unsecured, with high interest rates and high risks. Compared with traditional lending methods, online lending is completely. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate). You can consider applying for the online loan business of ABC.
Agricultural Bank of China online fast loan application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported) 4. Credit status is good. 5. There is no unexpired "NetJet Loan" loan amount and no outstanding "NetJet Loan" loan balance. 6 stable income, with the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear.
The loan amount for applying for NetJet is 30-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.
Online lending has realized the processes of self-service application, automatic approval, online signing of credit contract and self-service credit use. The application process is as follows:
(1) The borrower logs into the online channels designated by the bank (personal online banking and pocket banking) and enters the "Netquick Loan" application interface.
(2) The borrower understands the product situation, basic loan conditions and handling procedures of NetJet Loan.
(three) fill in the basic information, the proposed loan period, loan and repayment account, mailing address, etc.
(4) The system verifies the validity of the mobile phone number.
(5) Signing the Power of Attorney for Personal Credit Business online.
(six) to confirm the loan information, the amount and purpose of the loan application.
(7) After the applicant reads and signs the Personal Self-help Micro-credit Consumer Loan Contract online and completely fills in the application information, he submits the loan application.
Use of NetJet loan:
(1) Netjet loan business is used for personal consumption purposes and shall not be used for purposes prohibited by relevant national laws and regulations and credit policies.
(2) NetJet loan is sent in cash.
How to apply for a loan online
At present, customers in some areas of China can apply for loans online through personal online banking and mobile banking of BOC. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.
Personal online banking can be used in loan management-new business application-more loan application.
With mobile banking, you can handle housing loans-more loan applications.
The above contents are for your reference. Please refer to the actual business regulations.
At present, customers in some areas of China can apply for loans online through personal online banking and mobile banking of BOC. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.
Personal online banking can be used in loan management-new business application-more loan application.
With mobile banking, you can handle housing loans-more loan applications.
The above contents are for your reference. Please refer to the actual business regulations.
How to handle online loans? What is the process of bank online lending?
Nowadays, people are used to doing business online, which not only saves time but also saves a lot of trouble, so there are also various online loans. So, how to handle online loans? What is the process of bank online lending? Next, let's take a look.
How to handle online loans?
In fact, online lending is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. Borrowers and borrowers can achieve the purpose of borrowing without leaving home. Generally, the amount is not high, there is no guarantee, and it is pure credit lending. Online lending is divided into b2c mode and c2c(p2p) mode. In addition, online loans must first determine the platform they want to borrow, and then customers can apply through the following channels:
(1) official website application. You can open the online loan platform official website, and generally you can apply online on the loan page.
(2)app application. Download the official app that opens the online loan platform, and you can generally apply online in the app.
What is the process of bank online lending? The online banking loan process is as follows:
(1) The borrower needs to log in to the bank official website; Fill in the loan application form (pay attention to the authenticity of the information).
(2) Submit relevant information on online banking loans.
(3) The common guarantee method of online banking loan is pledge. If the bank's audit materials meet the requirements, it may sign a loan contract and go through the pledge formalities.
(4) Banks issue loans.
(5) repayment plan. Repayment can be made through online banking.
In addition, online bank loan settlement:
Normal settlement: that is, the loan is settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment).
Early settlement: As the name implies, if the borrower settles part or all of the loan in advance before the loan maturity date, he must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated counter after approval.
How to handle online loans? What is the process of bank online lending? How to manage online loans and what is the process of bank online loans is briefly introduced above, hoping to help everyone.
The introduction of online loans and online loans ends here. I wonder if you have found the information you need?