What loan products does the bank have? These are the common ones!

Banks are relatively authoritative financial institutions in the country and are directly supervised by the China Banking Regulatory Commission. Affected by policies, bank loans generally have low interest rates, high credit limits, and relatively low borrowing costs. So what loan products does the bank have? Common loans now include the following, and you can choose according to your needs.

1. Decoration loans

Nowadays, the cost of decoration often ranges from tens of thousands to hundreds of thousands. It is difficult for ordinary people to take out the money at once after buying a house, so major banks have provided decoration loans. , lending banks generally include Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of Jiangsu, etc. You can go to nearby outlets for consultation.

2. Salary loan

Basically every bank has loans suitable for office workers, and are approved by high-quality enterprises such as state-owned enterprises, Fortune 500 companies, listed companies, civil servants, teachers, doctors, etc. Easier and faster to place your payment.

3. Policy loan

A loan based on an existing policy. The amount of this type of loan available depends on the effective year of the policy and the annual payment amount of the policy.

4. Owner's Loan

If you have a property in your name, you can apply for this type of loan. Whether it is a house purchased in full or a mortgage loan, you can apply for an owner's loan. Personal small credit loan.

5. Business loan

It is a credit loan product specially designed for small and micro enterprises and individual industrial and commercial households to solve short- and medium-term operations, daily payment settlement and financial management.

6. Car owner loan

Car owner loan includes owners of fully paid or mortgaged cars, who can apply for a consumer loan through banks, consumer financial institutions, etc.

7. Entrepreneurship Loans

Entrepreneurship loans refer to small-amount credit loans that are different from current consumer loans and are used to meet the personal entrepreneurial needs of urban and rural residents.

What are the bank’s consumer loan products?

We may encounter financial problems in life. Some friends are unwilling to ask their friends to borrow funds, so applying for a loan can be a better way. We know that applying for a credit loan is more convenient. But relatively speaking, the amount is low and the expected annual interest rate is relatively high. If you apply for a personal consumption loan, the amount you apply for will be correspondingly higher. So, what are the bank's consumer loan products? Next, let's take a look at the consumer loan products of several banks.

It is understood that most bank consumer loan products are aimed at white-collar workers and working-class people.

(1) Agricultural Bank of China - Salary Protection Loan

Borrowers do not need to provide any collateral as guarantee when applying for Agricultural Bank of China Salary Protection Loan. If the qualifications are met, the loan amount can be up to 300,000. .

The Agricultural Bank of China’s Salary Guarantee Loan is mainly targeted at eligible salaried workers of the Agricultural Bank of China, but the borrower must meet the following two basic conditions:

1. The borrower must pay continuously at the location of the lending bank. The provident fund has been deposited for more than one year;

2. The borrower has a stable job and income.

(2) Everbright Bank - White Collar Easy Loan

From the wording, it can be seen that Everbright Bank White Collar Easy Loan is mainly aimed at white-collar people. The application conditions for borrowers are relatively loose. The borrower works in an enterprise or institution approved by China Everbright Bank, is between 30-55 years old, has a good credit record, and both husband and wife have real estate in their names.

China Everbright Bank’s white-collar easy loan has a maximum loan limit of one million and a term of up to five years.

(3) Guangfa Bank - Confidence Yidai

The borrower does not need to provide collateral. With complete information, the loan can be obtained as soon as one day, and the loan amount can be up to Three million.

(4) Minsheng Bank - Gongxi Loan

The conditions for applying for Minsheng Bank Gongxi Loan are relatively simple. The borrower needs to have continuously paid provident fund for more than one year, and the monthly deposit amount Over five hundred yuan. However, the loan amount will be determined based on the borrower's monthly deposit, credit, income, etc.

What are the bank credit loans? These banks are great!

In the financial industry, bank loans have high security, low interest rates and a wide variety of loans, so they are everyone’s first choice for loans. So what are the bank credit loans? Everyone should pay attention to these products at ordinary times. They can be of great help when you need money urgently. Today, let’s take stock of some good bank loan products.

1. China Construction Bank Quick Loan

The personal consumption loans of China Construction Bank are suitable for different user needs. The maximum amount can reach 5 million, the interest rate is very low, and the principal can be repaid within one year. Interest payment and repayment pressure are relatively small. Whether it is review or payment, the speed is very fast. Interested users can learn more.

2. ICBC Rong e-borrowing

ICBC is a state-owned bank, and its Rong e-borrowing is a pure credit mobile phone loan, with a maximum loan of several hundred thousand, and it is calculated on a daily basis. It supports borrowing and repaying at any time, and is flexible in using the card. As long as you have deposits in ICBC, purchase investment and financial management, or have a housing loan, you can apply successfully if your personal credit is good.

3. China Merchants Bank e-loan

Friends who have a China Merchants Bank credit card and the card is in good condition can apply for this loan. The approval speed is very fast, and it is very suitable for users who are in urgent need of money. The amount that can be applied for is between 20,000 and 300,000 yuan. The amount that can be applied for depends on the applicant's qualifications and credit.

4. Bank of Communications Haoxiangdai

The loan limit is as high as 150,000, and the maximum period of use is 2 years. The monthly handling fee is specially designed to serve qualified cardholders. If you receive an invitation text message, then log in to Bank of Communications mobile banking to apply. The success rate is very high.

To sum up, bank loans are a good choice. If you are tight on money, you can use them for temporary turnover, but you must repay them on time, otherwise there will be adverse consequences.

What are the types of bank loans?

Broad classification of personal bank loans:

1. According to the different uses of personal loans, they can be divided into personal home purchase loans, automobile loans, etc. Loans, study abroad loans, student loans, personal consumption loans, personal business loans, etc.

2. According to different personal loan guarantee methods, it can be divided into credit loans and guaranteed loans, and the latter includes guaranteed loans, mortgage loans, etc.

3. According to the different repayment methods of personal loans, they can be divided into installment loans and lump-sum loans. The former includes equal principal, equal principal and interest, installment interest and one-time principal repayment. The payment can be increased in equal amounts, the principal can be reduced in equal amounts, and combined repayments.

4. According to the different terms of personal loans, they can be divided into short, medium-term loans and long-term loans. Short-term loans are within 1 year (including 1 year), medium-term loans are between 1 and 5 years (including 5 years); and long-term loans are generally more than 5 years, mostly 20 to 30 years.

What are the bank loan products?

ICBC: Xingfu Express - personal car consumption loan, Xingfu Liye - personal business loan, direct customer - personal housing loan, personal credit loan, personal mortgage loan, personal self-built housing loan, etc.

Agricultural Bank of China: personal car loans, personal production and operation loans, personal comprehensive consumption loans, general student loans, individuals, etc.

Bank of China: personal entrusted loan business, personal investment and business loans, personal consumption car loans, personal first and second-hand housing loans, personal commercial housing loans, etc.

CCB: Small business quick loan, personal homepage loan, small guaranteed loan for laid-off workers, personal business loan, personal car loan, personal commercial housing loan, provident fund personal loan, etc.

Long-term loans, also called long-term loans, refer to various loans that enterprises borrow from banks or other financial institutions with a term of more than one year (excluding one year) or more than one operating cycle of more than one year. .

There are generally two ways for enterprises to borrow long-term loans: one is to deposit the loan in a bank and withdraw it at any time under the supervision of the bank; the other is to have a borrowing limit approved by the bank and borrow as much as you want within the limit. Under this method, the amount borrowed by the enterprise within the limit is directly credited to the "project in progress", "fixed assets" and other accounts according to its purpose.

There are also different ways to repay long-term corporate borrowings: it can be an installment of interest and principal repayment when due; it can be a lump sum repayment of principal and interest when due;

What are the bank credit loan products? Check out some common ones!

When many people are in urgent need of money, they will choose to go to the bank for a loan. After all, it is safer and the interest is low. So what are the common bank credit loans on the market now? In fact, many banks can implement mobile applications. Today we will take stock of some.

1. Agricultural Bank of China

NetJiedai: The mobile credit loan that everyone is very familiar with can be processed through the Agricultural Bank of China mobile banking. The application threshold is relatively low. You only need to be between 18 and 60 years old and have a good personal credit record. The loan interest rate of Wangjiedai is 6, and the loan period ranges from 1 month to 60 months. The minimum loan amount is RMB 10,000 and the maximum is RMB 3 million.

2. Industrial and Commercial Bank of China

E-Lending: Applicants are required to be between 18 and 65 years old, have a stable income and job, and have good personal credit. The minimum application amount is 600 yuan, and the maximum can be 800,000 yuan. The interest is 1/10,000 per day. It is a pure credit unsecured loan product. The maximum loan period can be up to 5 years, and the interest rate for a one-year loan is 5.22, and for more than one year, it is 5.7.

3. Bank of China

Salary loan: a small credit loan suitable for office workers. It mainly provides personal revolving credit loans. The maximum loan limit is 500,000 yuan. The loan limit is generally 2 to 3 times the annual income, and the loan term is generally one year, with a maximum of three years. The loan line can be used for home improvement, car purchase, education, medical care, etc.

4. China Construction Bank

CCB Quick Loan includes various products, including Quick e-loan, Rong e-loan, pledge loan, car e-loan and Wo e-loan, etc., mobile credit Loans generally refer to fast e-loans, with application amounts ranging from 1,000 to 300,000. They support borrowing and repaying at any time. The term is usually one year. During this period, you can borrow money on a recurring basis. The interest rate is relatively low, which is very cost-effective when you encounter events.