If you need to apply for a personal loan, it is recommended to choose a bank channel.
If you have a savings card of China Merchants Bank, you can log in to China Merchants Bank's mobile banking and click Home → All → Loan → I want a loan → Try to apply for a good loan. (Note: Credit record is an important audit item)
Loan amount: the minimum is not less than 500 yuan, and the maximum is 200,000 yuan, but the specific amount is subject to the results displayed by the system after your application is approved;
Repayment method: equal repayment of principal and interest;
Loan term: 3, 6, 12, 18 and 24-month installments are supported;
Borrowing cost: the daily interest rate is 0.045%, please refer to the actual display in the interface; There is no platform service fee.
Second, what's wrong with not checking the credit information?
Now all the mouths should be checked.
However, only private loans can be used for credit reporting.
Third, what software loans don't look at credit reporting?
Now there are many apps that borrow money without looking at credit information, such as money treasurer, small book era, spike, and loan treasure.
1, money shopkeeper. The loan amount is between 1 1,000-11,000 yuan, and the interest is calculated daily. The longest loan period is 30 days.
2, the era of small trees. The loan amount is between 3,000 and 8,000 yuan, and the loan time is between 3- 12 months.
Three seconds. The loan amount is relatively low, the highest is only 3,000 yuan, and the lowest is 1000, and the loan time is between 1 and 3 months.
4. Come and borrow money. The highest loan amount is 1 000 yuan, and the lowest is 500 yuan.
First, online lending, mbth is Internetlending, and p2p online lending is short for peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
Second, the main features:
(1) Advantages:
1, with high annual compound income. The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.
2, the operation is simple. The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.
3. Develop thinking. Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.
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4. What are the loan openings that can't be found by credit investigation?
In today's society, no matter what we do, it is linked to credit reporting. Many places can't handle it because of poor credit information, especially loans. Once there is a problem with the credit information, it will affect our loan amount, interest and even make it impossible to handle it. So, personal credit information is just one of the conditions of bank mortgage loan. Is it that simple? What are the specific connections between personal credit reporting and bank mortgage loans? What kind of influence does personal credit information have on the handling of bank mortgage loans? Personal credit is not good, is it really impossible for bank mortgage loans to succeed? Let's take a look with Qiang Sen Financial Bian Xiao.
Regarding the relationship between credit reporting and bank loans, the Credit Reporting Center of the People's Bank of China stated this in the product "Credit Reporting and Our Life".
1. Who's in charge of lending you money?
Whether you finally repay the loan directly affects the interests of the lending bank, so the lending bank can only decide whether to give you a loan.
2. On what basis does the lending bank decide whether to lend you money?
The loan bank decides according to the credit risk of whether you repay the principal and interest on time and the risk that the bank undertakes to repay the principal and interest on time.
3. How does the lending bank judge your credit risk?
The loan bank makes a comprehensive judgment based on the evaluation value of your personal collateral, the credit information system, the third-party organization and the information held by the loan bank.
When will the loan bank check your credit report?
After receiving your loan application, the loan bank needs to check your historical repayment record, the number of loans you borrowed, external guarantee, collateral evaluation value, repayment ability and credit record, and then decide whether to give you a loan and the loan amount.
5. Will the bank refuse?
Not necessarily, the bank mortgage loan is mortgaged. General banks don't pay special attention to credit records. You can consult other banks.
6. Repay according to the loan contract
Although banks pay less attention to credit reporting when handling bank mortgage loans than when handling credit loans, the impact of repayment on credit reporting is the same. Repayment according to the contract is conducive to increasing the loan amount and enjoying more loan concessions in the next loan. If you don't repay the loan according to the contract, you will receive penalty interest from the bank, pay liquidated damages, and even need to repay the loan in advance.
7. The influence of repayment method on credit investigation.
Due to different repayment methods, the time for transferring money from the account to the account designated by the lending bank is also different, which may inadvertently cause overdue records and be recorded as black accounts by the credit information system. Therefore, the borrower must repay the loan 1-2 days in advance, especially on holidays.