1, NB Bank, interest first, principal later, loan and repayment, with a line of 200,000-500,000, with an annualized rate of 7.2%.
2.YC Bank, interest first, principal later, with repayment loan, with a quota of 300,000 yuan and an annualized rate of 5.65%.
3.JS Bank, interest first, principal later, with loan and repayment, with a quota of 500,000 and interest rate of 6.36-6.6%.
4.HZ bank, interest first, principal later, loan with repayment, line 300,000, interest rate 6.08-6.8%.
5.MS Bank, interest first, principal later, with repayment loan, with a line of 300,000 yuan and interest rate of 6.5-7.4%.
6.PF Bank, interest first, principal later, loan with repayment, with a quota of 6,543.8+0,000 and an interest rate of 6.5%.
7.HX Bank, interest first, principal later, with a line of 300,000 yuan and an annual interest rate of 6.09%.
8.YZ Bank, with interest first, then principal, repays the loan by loan, with a quota of 654.38+0.000 million and an interest rate of 9.8%.
9.NS Bank, interest first, principal later, loan with repayment, with a quota of 300,000 yuan and an interest rate of 6%. The above interest rate is annualized, not the nominal interest rate of some installment repayment methods. The loan depends on the repayment method first, and then on the loan interest rate.
Credit loan is also a common loan model. Credit loan is a kind of loan method that does not require the lender to provide guarantee. Then the lending institution approves the loan according to the lender's credit. Therefore, the most important thing in this loan model is the debtor's credit. If the credit is good, you can apply for a credit loan.
First, the approval of credit loans is relatively strict. We all know that the characteristic of credit loan is that it does not need any mortgage and third-party guarantee, and it is completely based on the credit of the payer. Because of this, this loan model is very risky for financial institutions and banks. Therefore, when handling this kind of loan business, banks will analyze and investigate the borrower's economic level, operating conditions and future development, so as to control risks.
Second, individuals can also apply for credit loans. In the past, credit loan business was only open to enterprises and institutions. But now many financial institutions have launched personal credit loan business. Personal credit loan means that the borrower does not need to provide guarantee, as long as he has a good credit level, he can apply. Of course, personal credit loan banks are also conditional. To borrow money, the explanation and proof of the use of the loan funds must be provided, and the loan funds shall not be used in the production, investment and business fields prohibited by the CBRC.
Iii. Conditions for Credit LoanTo apply for a credit loan, these conditions must be met.
1. The applicant must be a China citizen who has reached the age of 18 and has full capacity for civil conduct.
2. You should have a permanent residence in China and a local town hukou.
3. The applicant should have a fixed job and a stable income, and have the ability to repay the principal and interest every month.
4. There is no violation of law and discipline.
5. The credit level is good.
6. Opening a personal settlement account in the borrowing bank and other conditions of the bank. The above is some information about credit loans. Although there is no need for any guarantee or mortgage, banks will be very strict in applying for such loans and there are many conditions to be met.