Most banks can apply for loans, as follows:
1. State-owned banks: Industrial and Commercial Bank, Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications.
2. Local banks: Weifang Bank, Dezhou Bank, Langfang Bank, Beijing Bank, Shanghai Bank and other local banks.
3. Rural commercial banks and credit cooperatives: rural credit cooperatives, Beijing Rural Commercial Bank, etc.
4. Private banks: Minsheng Bank, Zhejiang Online Commercial Bank, Shenzhen Qianhai Weizhong Bank, etc.
5. Foreign banks: Citibank, Hang Seng Bank and Standard Chartered Bank.
What are the bank loans suitable for wage earners?
Wage earners have a relatively stable monthly income, and banks are more optimistic about lending to wage earners. At the same time, major banks are generally bored with the loan business of wage earners. Let's see what bank loans are suitable for wage earners.
(1) Bank of China, wage loan.
1, the amount: 2-3 times the annual income of employees, and in principle, it shall not exceed 500,000 yuan. The company can issue proof of income, supplemented by bank salary and social security certificate to help you increase the loan amount. It should be noted that you should pay attention to your credit status and avoid bad credit records, otherwise it will directly affect the success rate of loans.
2. Term: generally one year, which can be extended to three years depending on the purpose of the loan. Under normal circumstances, without special circumstances, the bank can easily grant you three years, and the length of the term is also related to the loan amount, because the bank needs to assess your monthly repayment ability.
3. Use: The loan can be used for all legal and compliant consumer expenditures such as home improvement, car purchase, education and medical care, and relevant invoices are required for consumer expenditures.
4. Requirements: Although the bank claims that there is no need for mortgage guarantee, I still hope that you'd better find a company, friend or colleague to issue guarantee materials. There is a tricky condition that the guarantor is required to provide proof of bank deposit. For example, if you need a loan of 65,438+million, then the guarantor's account needs to have a deposit of 65,438+million.
5. Expected annualized interest rate: the monthly interest rate is 6%, that is, 0.6%, which is equivalent to the expected annualized interest rate, about 10%. Loan 1 1,000 Yuan, which will be repaid to 6 yuan every month. Due to the high loan threshold, this expected annualized interest rate is in a very low category in the industry.
(2) Ping An Bank. New loan
1, OK: Generally speaking, it does not exceed 500,000 yuan.
2. Duration: generally, the longest is 5 years, which is assessed according to the applicant's credit status and income level.
3. Use: legal and compliant consumption expenses are acceptable, provided that you provide relevant invoices.
4. Requirements: No guarantee is required, and the applicant is required to be 25 to 55 years old, with a monthly income of more than 4,000 yuan and no bad credit record.
5. Expected annualized interest rate: the monthly interest rate is 1.79 points, that is 1.79%, which is equivalent to the expected annualized interest rate and should be above 20%. Loan 1 000 yuan, monthly repayment 17.9 yuan. See the gap compared with the Bank of China. Due to the low loan threshold, the expected annualized interest rate is really.
Citibank. Happy time loan
1. quota: the quota is low, the approval conditions are very strict, and the risk control requirements are high. Except for very high-quality customers, it generally does not exceed 200,000.
2. Duration: generally no more than 3 years, which is assessed according to the applicant's credit status and income level.
3. Use: legal and compliant consumption expenses are acceptable, provided that you provide relevant invoices.
4. Requirements: No guarantee is required, but materials are strictly reviewed, including income certificates, social security records, bank accounts, credit reports, etc. Their purpose is to prove that the more materials, the better.
5. Expected annualized interest rate: monthly interest rate 1.3 points, i.e. 1.3%. Customers with good credit records can get the expected annualized interest rate 1. 15%, which is equivalent to the expected annualized interest rate 16% and the loan 100.
(4) Standard Chartered Bank. Cash lending school
1, OK: Generally speaking, it does not exceed 500,000 yuan.
2. Duration: generally, the longest is five years, and the duration can be basically determined according to the wishes of the applicant. I feel that the longer the loan manager waits for you to borrow, the better.
3. Use: Legal and compliant consumption expenditure is acceptable, provided that relevant invoices are provided and the basic information of invoices will be recovered.
4. Requirements: no guarantee, no bad credit record, strict requirements on the surface, all kinds of recording and photography, but the general manager will tell you the matters needing attention in detail.
5. Expected annualized interest rate: monthly interest rate 1.75%, i.e. 1.75%. Customers with good credit records can get the expected annualized interest rate of 1.45%, which is equivalent to the expected annualized interest rate of 19%, and the loan of 1 1,000 yuan will be repaid on a monthly basis.
(5) Other banks
The above banks basically require equal repayment of principal and interest, but I heard from friends that there is a kind of loan in Bank of Ningbo that pays interest on a daily basis, pays interest on a monthly basis, and repays the principal at maturity, which is very attractive to customers who are short of funds at the initial stage. Roughly calculated, the expected annualized interest rate is between Citibank, Happiness Loan and Standard Chartered Bank. If you are interested, you can learn about it.
Suggestions on applying for bank loans
(1) Always pay attention to personal credit records. Basically, every bank has very strict requirements on credit records, especially the rich with credit cards. Don't make overdue payments. If you want to know about personal credit, you can check it through China Bank Credit Information Center (website:);
(2) If the guarantee ability is strong, you can choose the four major state-owned banks, and the interest rate is absolutely the lowest. If the guarantee and mortgage ability is not strong, the focus should be on commercial banks, such as Guangfa Bank, Citibank, Bank of Ningbo and other smaller banks.
(3) Go to several banks to learn about the policy. Every bank will have some preferential loans on a regular basis, and it is expected that the annualized interest rate may save you a lot of money.
Which bank has a good personal loan? And the interest rate is low.
Banks with good personal loans and low interest rates include China Merchants Bank, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank, Industrial Bank and Huaxia Bank.
Comparison of individual consumer loan banks;
1. Features of personal consumption loan products of China Merchants Bank: It can be distributed in different periods according to customers' needs.
The amount of each loan shall not exceed the approved loan amount, and each loan has the same loan term and repayment method.
2. CCB's personal consumption loan products are characterized by high loan amount, wide consumption purposes and low loan interest rate. The loan interest rate of its fast e-loan products is only about 7.6%.
CCB's loans are comprehensive. We can not only borrow money to buy a house, but also buy a house for decoration. We can handle both first-hand housing loans and second-hand housing loans. We can also handle provident fund loans and personal housing loans. We can provide loans to individuals who buy commercial housing and affordable housing. Therefore, CCB has provided people with too much convenience in life.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
I suggest you take the money from Xiaoman Finance (formerly Baidu Finance) to get a loan. The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast, as long as 30 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.
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Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.
Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOU is the financial service of 360 antivirus software, and installment music is owned by Lexin, both of which are big companies.
360 IOUs, with a maximum loan of 200,000!
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Staging music can be borrowed up to 50 thousand!
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