Which bank has credit loan

Each bank has its own credit loan products.

1. China Construction Bank Quick Loan

China Construction Bank’s personal credit loan product is mainly “Quick Loan”. China Construction Bank Quick Loan can provide you with credit of up to 5 million yuan. It is mainly applied online and can be used for cash withdrawals, shopping, etc.

2. ICBC e-borrowing

ICBC e-borrowing can be ranked second in the latest top ten bank credit loan rankings. ICBC e-Loan can provide you with loans as low as 600 yuan and as high as 800,000 yuan, with a term of up to 5 years.

3. China Merchants Bank e-loan

China Merchants Bank e-loan is a bank credit loan product specially provided for China Merchants Bank credit card users. The loan limit can reach 300,000 yuan, and it can be used at any time Borrow and pay back instantly, and the payment speed is also very fast.

4. Bank of China E-Loan

BOC E-Loan is an online loan product of Bank of China. The entire process can be applied online. The loan limit can reach 300,000 yuan and the usage period is 12 months.

5. Bank of Communications Haoxiangdai

Bank of Communications Haoxiangdai ranks fifth among the top ten banks in credit loans. Bank of Communications Haoxiangdai's pure credit loan, the amount depends on the borrower's situation, and the repayment period is between 3 and 24 periods.

6. Minsheng Bank’s consumer micro-loan

Minsheng Bank’s consumer micro-loan is a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary slips. Apply for a credit loan for tax returns, etc.

7. China CITIC Bank Xinmiadai

CITIC Bank Xinmiadai ranks 7th in the latest top ten bank credit loan rankings. CITIC Bank Xinmiadai can provide loans of up to 300,000 yuan to qualified customers, with loan terms as short as 1 month and as long as 12 months.

8. Pudong Development Bank Puyin Diiandai

Pudong Development Bank Puyin Diiandai can provide loans of up to 300,000 yuan to people aged 18-60, and the application process only costs about 3-5 minutes for everyone.

9. Agricultural Bank of China Online Loan

Agricultural Bank of China Online Loan is mainly a loan for specific customers, and you need to apply for a home loan at Agricultural Bank of China before you can apply. However, Agricultural Bank of China’s online credit loan ranks 9th among the top ten banks’ credit loans thanks to its features of online application, quick approval and instant loan and repayment.

10. Everbright Bank Suixindai

Ebright Bank Suixindai is currently at the bottom of the latest top ten bank credit loan rankings. Everbright Bank's Xixindai service group is people aged 22-55, and borrowers are required to purchase "personal loan guarantee insurance."

Which banks can provide loans?

There are so many banks in our country, and many people don’t know exactly how many banks can lend money. Since the reform and opening up, the development of domestic commercial banks has been booming. There are now thousands of banks, with more branches. There are countless, specifically divided into the following categories.

1. People's Bank of China: The People's Bank of China is the central bank and the leader in the banking industry. In 1978, the People's Bank of China separated from the Ministry of Finance and officially became a ministerial-level unit. Since 1984, its commercial banking business has It is borne by other newly established national banks. Currently, it is mainly under the leadership of the State Council to formulate and implement monetary policies and does not handle loan business itself.

2. Policy banks: China Development Bank, Export-Import Bank of China, and Agricultural Development Bank of China. They mainly implement government policies and only carry out business in specific fields. Generally, individual enterprises cannot handle loan business. Yes, it depends on the policy.

3. State-owned commercial banks: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank. These banks are directly controlled by the state and have a lot of credit businesses. The interest rate is much lower than other banks, and of course the application threshold is also high.

4. Joint-stock banks: China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Hua Xia Bank, China Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, Hengfeng Bank, Bohai bank. These banks are controlled by state-owned legal entities such as private enterprises, non-public enterprises, state-owned enterprises or local governments. They have many preferential activities and low loan thresholds.

5. City commercial banks: Common ones include Bank of Beijing, Bank of Shanghai, Bank of Ningbo, Bank of Nanjing, etc. They are banks developed in cities and are controlled by local governments and large enterprises. They have low loan thresholds and low interest rates. , is a good choice for loans.

The above are common types of banks. They are all formal and reliable institutions with very low loan costs. If you want to obtain large low-interest loans, it is best to choose a bank. Internet banks are also developing rapidly now. , such as Xinwang Bank, WeBank, MYBank, etc., mainly serving Internet users.

: Application process for bank loans

1. Prepare relevant procedures: The procedures that need to be submitted for general loans mainly include: loan application, customer’s ID card, household register, income Certificate, marriage status and other materials (customers with a spouse must also provide the spouse’s ID card and household registration book). If the customer is a mortgage loan, the property title certificate of the mortgage must be issued; if the customer is a guarantee-free loan, a good certificate must be provided. credit history.

2. Apply to the bank: After preparing the relevant information, the customer can go to the bank or the law firm entrusted by the bank to submit the relevant information to the bank for verification and after the customer pays various fees, the customer needs to sign an application form with the bank. The loan contract shall be entered into as a legal document binding both parties.

3. Pre-loan approval by the bank: If it is a home purchase loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application. If it is qualified, the bank will conduct the final loan approval; if the review is unqualified, The bank will return the customer's relevant information and explain the situation to the customer.

4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage loan customer, the customer also needs to go to the relevant department to register and file the mortgage of the collateral for future inquiries.

5. Bank lending: After the customer's relevant procedures are completed, the bank will approve the loan or submit it to the superior for approval based on the assessment of the borrower. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other relevant details, and issue a loan instruction to transfer the loan item to the customer's account.

Which bank can lend money

All domestic banks can provide loans, as long as you have the qualifications for loans. At present, most mainstream domestic banks have their own loan products, such as Industrial and Commercial Bank of China, China Construction Bank, Postal Savings Bank of China, Agricultural Bank of China, Bank of China, Bank of Communications, etc., as well as commercial banks such as China Merchants Bank, China Everbright Bank, CITIC Bank, Industrial Bank, and local banks such as Hankou Bank and Jiangxi Bank all have their own loans. product.

Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return the funds within an agreed period. Generally, you are required to provide a guarantee, house mortgage, or proof of income, and have a good personal credit report before you can apply.

Moreover, in different countries and in different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in the United Kingdom mostly take the form of bill discounts, credit accounts, and overdraft accounts.

Bank Loans

(BankLoans)

There are various types of bank loans according to different classification standards.

For example:

Bank loans

Bank loans

1. According to different repayment periods, they can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, they can be divided into current loans, term loans and overdrafts;

3. According to different loan purposes or objects, they can be divided into industrial and commercial loans, agricultural loans, consumer loans, Securities broker loans, etc.;

4. According to different loan guarantee conditions, they can be divided into bill discount loans, bill mortgage loans, commodity mortgage loans, credit loans, etc.;

5 , According to different loan amounts, they can be divided into wholesale loans and retail loans;

6. According to different interest rate agreement methods, they can be divided into fixed-rate loans and floating-rate loans, etc.

Short-term loan

Short-term loan refers to a loan with a loan period of less than 1 year (including 1 year). Short-term loans are generally used for the borrower's working capital needs in production and operations.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of a short-term working capital loan is generally about six months, with a maximum of one year; a short-term loan can only be extended once, and the extension cannot exceed the original term.

The loan interest rate is determined in accordance with the interest rate policy and loan interest rate floating range formulated by the People's Bank of China, and is determined based on the nature, currency, purpose, method, term, risk, etc. of the loan. Among them, the foreign exchange loan interest rate is divided into floating interest rates and fixed interest rates. The loan interest rate is stated in the loan contract, and customers can check it when applying for a loan. Overdue loans will be charged penalty interest as required.

The advantages of short-term loans are relatively low interest rates and relatively stable fund supply and repayment. The disadvantage is that it cannot meet the long-term funding needs of enterprises. At the same time, since short-term loans adopt fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.

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.