To some extent, reasonable debt is also a way of managing money, and people who dare not borrow may not be really rich all their lives. It is not to encourage people to blindly borrow money or invest in wealth management. Of course, it must be within a reasonable range. So how can I borrow 5000 yuan quickly?

Why borrow 5000 yuan? What can you do with 5000 yuan? Sometimes money is badly needed. 1 ,000 yuan is too little, and 1 ,000 yuan is too much. 5,000 yuan is a more appropriate figure, which is easier to accept. And where to borrow 5000 yuan, borrow it quickly!

I believe that no one will think of borrowing money from relatives and friends. One is the problem of face, and the other is that there will always be various problems in borrowing money from these close people. So it's best to find some institutional loans, so there are specific terms, no worries. _ Having said that, how to get 5000 yuan quickly? We have sorted out four feasible methods. You can sit in the right place and choose the one that suits you according to your own situation. It is no longer difficult to borrow 5000 yuan quickly.

bank clerk

Operating loan

Applicable people: business owners and self-employed.

Expected annualized interest rate: generally 30% to 50% higher than the benchmark expected annualized interest rate.

Do you need collateral? Yes

Duration: generally not more than 5 years

Comments: Generally speaking, compared with traditional corporate loans, personal business loans are more convenient to operate and require fewer procedures and processes. Especially by the baptism of internet thinking, many banks have obtained fast loans, and they only need to apply online, and they can usually lend money within one week.

However, the general personal business loan still needs "the borrower should continue to operate the enterprise in a fixed place for more than one year (inclusive), with good operating profit and no record of violation of laws and regulations". At the same time, in order to ensure that the borrower has a stable and reliable source of repayment, it is necessary to provide collateral, and the mortgagor should be a "legal person". After submitting the loan application, it will be evaluated by a third-party institution.

Bank credit category

loan

Applicable people: self-employed or office workers

Expected annualized interest rate: the benchmark expected annualized interest rate will rise by 50%.

Do you need collateral? number

Duration: generally not more than 36 months

Comments: For start-ups, it is particularly difficult to provide a one-year business-to-public account. At the same time, it is difficult for some self-employed people to apply for traditional business loans because of the lack of collateral, so bank credit loans are particularly worth introducing.

For self-employed, credit loans can help enterprises to "find money" quickly. For example, at present, credit loans are covered by products such as "business cards" and "business loans" of many banks including Guangfa and China Merchants Bank. Even if you don't provide mortgages such as real estate, you can also make revolving loans through running water, which is more convenient. However, the credit line of such loans is generally not too high, and they will enjoy different expected annualized interest rates based on personal flow and comprehensive situation evaluation. However, for many borrowers, the approval time of credit loans is generally not too long, and some banks promise to approve them one day and receive them the next day.

credit card

Cash installment payment

Applicable people: individuals with credit cards.

Expected annualized interest rate: charged according to the handling fee, and the handling fee rate of each period depends on whether collateral is needed: No.

Comments: It is definitely good news for individuals who need money badly in the short term. In the past, we all know that credit cards have the function of overdraft withdrawal, that is, credit card withdrawal through ATM machines, but most banks have stipulated the daily withdrawal amount of each card, and the maximum withdrawal amount generally does not exceed 50% of the total overdraft amount.

Different from the traditional overdraft withdrawal, the credit card cash installment business is not restricted by the above rules, and the handling fee is relatively cheaper. In the past, a certain handling fee was charged for daily interest on overdraft withdrawal. Comparatively speaking, according to different regulations of different banks, cash installment is relatively cost-effective.

DP2P platform

loan

Applicable people: any individual with a stable source of repayment

Expected annualized interest rate: about 20%

Whether collateral is needed: It depends.

Comments: It is difficult for small and micro enterprises to borrow money, and it is not enough to solve it only by banks. After all, from what we have learned above, the procedures and processes that banks need are still complicated, especially in the process of examination and approval, some "substandard" customers have been screened out. At this time, it is a good idea to borrow money from P2P platform.

Compared with obtaining loans from banks, there are more P2P platforms and wider choices. At the same time, for some business owners and individuals with slightly "defective" procedures and materials, more measures can be taken to remedy them. At present, the loans provided by P2P platform include both mortgage loans and pure credit loans.

Where can I get a loan of 5000 yuan? The credit card is temporarily unavailable.

It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.