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 one-year loans 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.

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 mortgage, 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.

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

What are the credit loan platforms?

What are the formal lending platforms?

1. Borrowing

The earliest credit loan launched on Alipay, with a maximum limit of 200,000, loan services are provided by Ant Consumer Finance, and there is an Alipay real-name account, with a Sesame score of 600 or more Opportunities open. When borrowing money, you should pay attention to the limit. You can only borrow up to 40,000 yuan in a single loan. If the borrower's limit is more than 40,000 yuan, you must borrow multiple loans, and each loan needs to be re-examined.

2. Jingdong Gold Bars

The online loan products of Jingdong Finance do not require mortgage guarantees. If you meet the requirements and obtain system credit, you can borrow money. Under normal circumstances, you can borrow money at any time 24 hours a day. Applications are basically automatically reviewed by the system, and you rarely need to call back for a follow-up visit. Basically, if you borrow money on the same day, you can get the money if it is approved.

3. 360 IOU

It is also one of the top ten online loans. It is operated by 360 Digits. It is reviewed and evaluated through 360 big data combined with the borrower’s comprehensive credit conditions. Borrowers who meet basic conditions, have good credit and stable solvency are relatively easy to apply for loans. The maximum limit is 300,000, which can meet the large capital needs of many people.

4. Weilidai

The credit loan launched by WeBank does not have a separate APP and can only be borrowed through mobile QQ or WeChat. If borrowing money on WeChat, the borrower should check in the WeChat wallet to see if there is a word about Weilidai borrowing money. If so, click on it to apply for a credit limit. You can only borrow money after passing the system's credit approval. The result can be obtained within a few minutes after submitting the application.

5. An Yihua

The credit loan product of Immediate Consumer Finance is also among the top ten lending platforms. The borrower is aged 18-55, has a relatively stable job income, and has good personal credit. Good. After completing the real-name authentication and having a quota, you can apply for a loan. However, because the daily loan quota is limited, you can only withdraw cash if you grab the quota.

6. Borrow money from Meituan

Pure credit loans on the Meituan APP are provided by cooperative licensed financial institutions. The maximum limit is 500,000. Meituan accounts are often used. Highly active users must first apply for a quota before they can borrow money. Everyone has different qualifications and different quotas. After borrowing money, the system will automatically approve it, and you can know the result in a few minutes.

7. China Merchants Union Good Futures Loan

For the loan products launched by China Merchants Union Consumer Finance, formal licensed institutions will not use tricks, the interest rates are within the scope of legal protection, and they can provide borrowers with The loan amount is between 20,000 and 200,000, and the one-time credit can be revolving. Each loan needs to be re-examined. If approved, the loan will be immediately released to the bank card without waiting.

8. Borrow money on Weibo

The formal online loan platform on Weibo also provides lending services by licensed financial institutions. Borrowing money on it also does not require a mortgage guarantee. As long as the borrower reaches the age limit, has no problem with credit and repayment, and obtains credit from the system, he or she can borrow money. The better the qualifications, the easier it will be to pass, and the faster the loan will be issued.

9. Rong e-Wallet

One of the formal online loan platforms with high quotas and fast disbursements. It also adopts the form of unsecured loans and will evaluate the borrower's credit status when applying. , mainland Chinese residents aged 22-55, as long as they have good credit and stable income, they can borrow money by providing their ID card and mobile phone number and savings card.

10. Zhongyuan Consumer Finance

The online loan platform under a licensed financial institution can provide a quota of 1,000 to 200,000. Because it implements differentiated credit, different borrowers obtain loan quotas Differently, after submitting the loan application, the system will automatically approve the loan. Please note that those whose mobile phone number and ID card household registration address are in Hong Kong, Macao, Taiwan, Xinjiang, Guangxi and other places cannot apply.

The above is the relevant introduction of "What are the formal lending platforms?" I hope it will be helpful to everyone.

Which banks have credit loans?

The following banks have credit loans: 1. Industrial and Commercial Bank of China e-loan, 2. China Construction Bank Quick e-loan, 3. Agricultural Bank of China, 4. Bank of China , salary loan.

1. ICBC e-Loan

Requirement 1: Handling the following businesses will help you obtain qualifications and frequently use ICBC credit cards with good credit. Handle our bank deposits, financial management, Funds, precious metals, pensions, corporate annuities and other businesses; handle our bank's personal housing mortgage loan business and maintain good records; become our bank's payroll client.

Requirement 2: Apply in the business area where you work (where provident fund, tax, social security, etc. are paid)

Requirement 3: It cannot be used for house purchase or real estate project development; it cannot be used for investment, Loans and arbitrage

The limit is 600 yuan to 800,000 yuan; the mobile terminal can apply for a total of 300,000 yuan. The repayment method for excess offline applications is equal amounts of principal/equal amounts of principal and interest. Some customers can choose to repay the principal upon maturity.

Loan term: 12/24/36 period

2. China Construction Bank Quick e-Loan

Requirements: CCB personal customers with good credit, as long as they apply at CCB Businesses (such as saving money, purchasing financial management, treasury bonds, funds, etc., loans, salary payment, etc.) may obtain a quota, which will be automatically reviewed online. It cannot be used for house purchase or real estate project development; it cannot be used for investment, lending, or arbitrage< /p>

3. Agricultural Bank of China Online Loan, requirements: Agricultural Bank of China personal housing loan customers, salary payment agents, VIP customers, customers who pay housing provident funds on time in some areas, and other whitelist customers

4. Bank of China, Salary Loan

Requirements: For employees of enterprises and institutions with stable and continuous salary income (including but not limited to civil servants, employees of state-owned enterprises, and full-service enterprise employees whose treatment is basically the same as that of civil servants (such as Personal credit revolving loans provided by teachers, doctors), armed police and military officers and soldiers, etc.

: Credit loans refer to loans issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantees. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment. This kind of credit loan has been the main lending method of Chinese banks for a long time.

Due to the high risk of credit loans, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, operational management level, development prospects, etc. to reduce risks.

Credit loan business is mainly handled through banks, loan companies, and electronic financial institutions.

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What are the credit loan products?

1. China Merchants Bank Flash Loan

Applicable objects : CMB all-in-one card customers;

Loan amount: 1,000 yuan to 300,000 yuan;

Loan interest rate: daily interest loan period: up to 10 years;

Repayment method: equal principal and interest, one-time repayment of principal and interest (this repayment method is mainly for 1-month loans)

2. CCB Quick e-Loan

Applicable objects: Customers who hold CCB personal financial assets (such as deposits, wealth management products, etc.), or customers who have not repaid CCB housing loans;

Loan amount: 1,000 yuan to 300,000 yuan;

Loan interest rate: annual interest loan period: up to one year;

Repayment method: borrow and repay at any time. The entire principal and interest of the loan must be paid off on the loan maturity date.

3. ICBC e-Loan

Applicable objects: invited customers who meet ICBC’s specific conditions;

Loan amount: RMB 600 to RMB 800,000;

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Loan interest rate: annual interest rate within one year, annual interest rate over one year, loan term: up to five years;

Repayment method: equal principal and interest, equal principal, and one-time repayment of principal with interest on schedule , one-time repayment of principal and interest.

4. Pudong Development Bank Puyin Dial Loan

Applicable objects: Shanghai Pudong Development Bank’s existing housing loan, salary payment and financial management customers;

Loan limit: 3,000 Yuan to 300,000;

Loan interest rate: Approximate annual interest rate. Loan period: up to five years;

Repayment method: If the loan is within one year, interest payments can be made in installments upon maturity Repay the principal or equal installments of principal and interest; if the loan term is more than one year, equal monthly installments of principal and equal installments of principal and interest this month are required.

Which loans can be applied for credit loans?

The questioner should ask what credit loans are available. I have summarized some for your reference.

1. China Construction Bank - Quick Loan

It is the earliest credit loan to be used. It has low interest rate and high credit limit. It is a good credit loan.

2. Bank of China - Bank of China E Loan

The credit loan currently used has a limit of 110,000, an annual interest rate of 4%, and a monthly interest payment and principal repayment model at maturity, one year time.

It's a very good credit loan. The interest rate is lower than that of China Construction Bank, but the credit limit is too small.

3. ICBC--Rong e-borrowing

The loan amount is between 600 yuan and 800,000 yuan. Invited users who meet the specific conditions of ICBC can apply. The loan will be available within one year. The annual interest rate is 5.22% within one year, and the annual interest rate is 5.7% for more than one year. The loan can be loaned for up to five years, with equal principal and interest repayments, equal principal repayments, one-time principal repayment with interest on schedule, and one-time principal and interest repayment.

4. China Merchants Bank - Flash Loan

The unused quota is 200,000 in total, with an annual interest rate of 6.12%, and terms of 6, 12, and 24 months are available, among which The principal can be repaid with monthly interest payments in December; the repayments in June and 24th are only equal principal and interest.

5. CITIC--Xinmiaodai

The credit loan you plan to use has a limit of RMB 80,000 to RMB 50,000 and an annual interest rate of 5.68%. It is available in March, June and December. , 24-month and 36-month terms, all of which can be repaid with monthly interest and principal upon maturity. The interest rate is higher, but the term can be three years, and interest can be paid monthly. I plan to use this when the Bank of China E-loan expires.

6. Agricultural Bank of China--NetJie Dai

It changes every year, so you can always pay attention to the latest news released by the bank