Loan products of major banks
Introduction to the top ten bank loan products:
1. Industrial and Commercial Bank of China
Product name: Rong E Borrowing
Interest rate: The annualized rate is about 7.2%, and it can be even lower when there are preferential activities.
Limit: 600-800,000, basically equal to the credit card limit.
Period: Generally 2 years, maximum 5 years. Four repayment methods are supported: equal principal and interest, equal principal, one-time principal payment with interest on schedule, one-time principal and interest payment, and early repayment is supported.
2. China Construction Bank
Product name: Quick e-Loan
Interest rate: about 6% annually.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: You must have business dealings with China Construction Bank before you can get a limit, such as housing loan, financial management, provident fund, etc.
3. Agricultural Bank of China
Product name: Wangjie Loan
Interest rate: about 5% annually.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there are also opportunities to provide quotas. Friends who have business dealings with Agricultural Bank of China can try it.
4. Shanghai Pudong Development Bank
Product name: Diandai
Interest rate: annualized 6.3%.
Quota: up to 300,000.
Term: 5 years. For those with more than 1 year, you can only choose the repayment method of equal installments of principal every month or equal installments of principal and interest this month.
Evaluation: However, you need to have a provident fund to get a loan, and not all cities are open to it.
5. Bank of China
Product name: E-loan
Interest rate: about 6% annually.
Quota: up to 300,000.
Term: 1 year. Interest is paid monthly and the principal is repaid upon maturity.
Evaluation: A popular product of state-owned banks, the application threshold is high.
6. China CITIC Bank
Product name: Dream Realization Gold
Interest rate: annualized 9%.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Evaluation: The threshold is not high. You can basically apply for a credit card from CITIC Bank, but some of it will occupy the credit card limit.
7. China CITIC Bank
Product name: New Express
Interest rate: The normal annualized rate is about 9%, and it drops to about 6.8% during promotions.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Reviews: Some of them will occupy your credit card limit.
8. Everbright Bank
Product name: Provident Fund Loan
Interest rate: annualized around 6%.
Quota: up to 300,000.
Term: up to 3 years. There are two repayment methods: equal principal and interest, and monthly interest repayment.
Evaluation: Provident fund is required, but not all cities are open to it.
9. Postal Bank
Product name: Postal Banking Loan
Interest rate: about 14% annually.
Quota: up to 200,000.
Term: up to 2 years. Equal principal and interest.
10. China Merchants Bank
Product name: E Merchants Loan
Interest rate: about 18% per annum, with a daily interest rate of RMB 50,000.
Quota: up to 300,000. The amount is non-recyclable.
Term: up to 2 years. Equal principal and interest.
The top five most reliable borrowing platforms
1. Have money to spend.
Youqianhua is a loan subsidiary of the Internet giant Baidu. It mainly provides credit loan services to the public. Youqianhua has three personal credit loan products: Manyidai, Zunxiangdai, and small term loan. Meet users with different needs.
Users with borrowing needs can download the Youqianhua APP to apply for loan business. The Youqianhua system will facilitate Baidu’s big data and artificial intelligence technology to integrate the information submitted by the borrower and the borrower’s personal credit Assessment, and based on the assessment results, the borrower will be granted a loan amount within a certain range, of which the maximum loan amount for Manyidai can reach 200,000, and the maximum loan amount for Zunxiangdai is 300,000.
2. Micro loan. Weilidai is a term credit loan product of WeBank. It is currently targeting high-quality Tencent users. Weilidai does not support users’ active application for activation
The system will evaluate the user’s comprehensive situation from time to time. When the evaluation results meet the loan conditions of Weilidai, the system will open the entrance to Weilidai for users to borrow money. The maximum loan amount of Weilidai is 300,000, and the daily loan interest rate is generally 0.05%. Users with good qualifications have the opportunity to obtain lower Quota.
3. Borrow it. Jiebei is a credit loan product in Alipay. The maximum loan limit is 300,000. Currently, Jiebei is opened on an invitation-only basis. Only real-name Alipay users with a Zhima credit score of 600 or above have the opportunity to open Jiebei. Jiebei The daily loan interest rate is generally around 0.05%, and the specific loan interest rate is determined by system evaluation.
4. China Merchants Union has a long-term loan. Merchants Union Haoqi Dai is a personal credit loan product jointly launched by China Merchants Bank and China Unicom. The maximum loan limit is 200,000. Only users with a Zhima credit score of 550 or above have the opportunity to obtain loan funds from Haoqi Dai. The daily interest rate of the loan is the lowest. It is 0.029%. Users can apply for a loan by following the Haoqidai Life Account on Alipay.
5. Jingdong gold bars. JD Gold Bar is a personal consumption credit loan product under JD Finance. The customer group of this product is high-quality JD customers. To open JD Gold Bar, you first need to open Baitiao. The maximum loan period supported by JD Gold Bar is 12 months.
What are the top ten loan apps? Take a look at these ten
To say that the most convenient way to apply for a loan now is to apply directly through the mobile app. After all, the mobile phone is carried with you. When it comes time to actually use money, it is impossible to find the time to go to the bank. , or get a computer to apply, but there are many mobile loan apps. How to quickly find the right app to apply? The following is a list of the top ten loan app platforms for your reference.
Top ten loan apps
1. WeChat Weilidai
WeChat can be said to be a must-have common app for mobile phones. Go directly to my-services / payment page, you can apply for Microloan to borrow money, which can be borrowed and repaid 724 hours a day. Interest is calculated on a daily basis, and the daily interest rate range is 0.02%-0.05%.
2. Borrow with Alipay
The cash loan product on Alipay can borrow up to 200,000, with interest calculated on a daily basis. The daily interest rate is generally between 0.015%-0.06%. Support Equal principal and interest payments and principal repayment after interest.
3. Du Xiaoman Youqianhua
You can download Duxiaoman or Youqianhua app to apply. The credit limit ranges from 500 yuan to 200,000 yuan, and the annualized interest rate Starting from the lowest, you can borrow money on the same day and pay it back the next day, with interest calculated on a daily basis.
4. Jingdong Gold Bars
The loan app is Jingdong Financial App. Generally, users with good Jingdong consumption records and good credit reports can apply. The maximum loan can be 200,000, and the annual interest rate is as low as 9.1%, the interest rate for borrowing 1,000 yuan for one day is as low as 0.25 yuan.
5. 360 IOU
The leading domestic loan platform, the loan amount ranges from 5 million to 200,000 yuan, and the daily interest for borrowing 1,000 yuan for 1 year is as low as 1.2 cents, and the annualized Comprehensive interest rates start as low as 7.2%, and you can choose to repay in installments up to 24 months.
6. Fenqile
It is a formal consumer installment platform under Lexin Group. The loan app is the product name Fenqile. The maximum loan amount is 200,000, and the lowest daily interest rate starts at 0.03%. Long term installment is 36 months.
7. An Yihua
A revolving loan product under Immediate Consumer Finance, with an annual interest rate starting from the lowest 7.2%, and a maximum loan of 200,000, with the fastest approval time of 30 seconds and 1 minute Loans can be repaid in up to 24 installments.
8. China Merchants Union Good Futures Loan
The products of China Merchants Union Consumer Finance jointly established by China Merchants Bank and China Unicom *** can be directly downloaded from the China Merchants Union Finance app and available 724 hours a day The maximum loan amount is RMB 200,000 and the maximum loan period is 36 months.
9. China Post Revolving Loan
The name of the loan app is China Post Wallet, the loan amount is 1,000 yuan-200,000 yuan, and the annualized interest rate pricing range is 14.04%-23.76% ( Simple interest calculation method), interest is calculated on a daily basis, and the quota can be used repeatedly.
10. ICBC e-Loan
ICBC customers can apply directly with ICBC mobile banking, 724-hour online service, no mortgage, no guarantee, pure credit, the maximum loan limit is 80 Ten thousand yuan, the minimum annual interest rate is LPR0.5%, updated monthly.
The above is the relevant content about the "Top Ten Loan Apps Ranking", in no particular order, I hope it will be helpful to everyone.