1. What are the bank’s personal credit products?

“Partial loan from China Merchants Bank” can only be used for personal consumption (including car purchase, decoration, education and tuition fees, and bulk shopping) , travel, etc., cannot be used for house purchase), the purpose required to apply is relatively strict, and you need to submit relevant materials (including proof of purpose, ID card application to the personal loan department, which will be comprehensively reviewed and approved by the outlet

2. What products does the bank's personal credit products include?

Housing, first-hand and second-hand houses, including shops, cars, mortgages, and guarantees are all available. Mortgage guarantees are included in other types. We strongly recommend provident fund loans and unsecured guarantees. , just rely on personal provident fund, which is 180 times the amount of provident fund paid by the individual every month, and the interest rate is about 4.75. It depends on the situation in different places. The repayment period is variable and can be returned at any time. Teachers, civil servants or employees of enterprises and institutions are generally required.

3. What are personal credit loans?

It is not difficult to find personal credit loans. There are 20 common loan types: unsecured, unsecured, and pure credit personal credit loans. Baidu Encyclopedia explains. , "Personal credit loans are unsecured RMB credit loans issued by banks or other financial institutions to borrowers with good credit status." The failure of a bank loan does not mean that the bank has closed the door to you, because a bank has many branches. Rejecting you does not necessarily mean that other branches will reject you; if one bank rejects you, it does not mean that other banks will reject you, but other financial institutions may accept you. 1. If you have a renovation loan at the bank. If you have a house mortgage or have a red book, you can apply for a renovation loan. The general lending banks are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, and Bank of Jiangsu. The monthly interest is generally 3-4 (0.3-0.4), and the annual interest = monthly interest. 12. The loan period is 3-5 years. 2. If you have a job in your current company, your salary should be paid by the bank, such as a high-quality enterprise, such as a state-owned enterprise or a World 500 company. Strong, listed companies, civil servants, teachers, doctors, etc. can choose many high-interest and low-interest products, such as interest first, loan later, repayment later, such as Ningbo Bank and Hangzhou Bank. Like ordinary enterprises, it is easy to get loans. The interest may be relatively high, such as Jiangsu Bank, Ping An Bank, Nanyue Bank, etc. The repayment method is generally equal interest (equal interest), and the interest is generally 5 to 1 cent. 3. If your company pays you a provident fund loan. The provident fund share is very high. Congratulations, you can get a loan with low interest and flexible repayment methods. For example, CITIC Bank, etc. The monthly interest is 5, and the interest is paid first, and the principal is paid later. 4. If you have one or more housing loans. Mortgage property, unsecured loan and existing monthly payment, such as: Standard Chartered Bank, Ping An Bank, Guangzhou Bank, China Merchants Bank, etc. The interest rate is 5 to 1 cent, and the repayment method is generally equal interest (equal principal and interest). There is interest first, then the principal, and then the loan is repaid. 5. Insurance policy loan The insurance policy is an unsecured loan based on the existing insurance policy. The loan amount depends on the effective year of the policy and the annual payment amount of the policy. For example: Ping An Bank, Dazu Financial, Eugene Puhui, etc. The interest rate is relatively high, usually above 8, and the repayment method is generally equal principal and interest (equal principal and interest). 6. Tax loan This loan product is very good. You can borrow money directly from your personal tax records. For example: Ping An Bank, Eugene Puhui, China Post Consumer Finance, and Nanyue Bank all have relatively high interest rates, generally above 8, and the repayment method is generally equal interest (equal interest). 7. Homeowner loan is a special credit loan product that provides unsecured property certificates for borrowers who own houses. Whether it is a house purchased in full or a property with a mortgage, you can apply for a personal small credit loan through an owner loan. For example: China Resources Bank, Ping An Bank, Dazu Financial, Eugene Puhui, etc., the interest is generally above 5, and the repayment method is generally equal interest (equal interest). 8. Commercial loans are credit loan products specially launched for small and micro enterprises and individual industrial and commercial households to solve short-term operations, daily payment settlement and financial management. For example, China Merchants Bank, Industrial Consumer Finance, etc. Generally have higher interest rates.

9. Social security loans refer to customers who have paid social security for a long time and can apply for consumer loans through banks, consumer financial institutions, etc. For example, Ping An Bank, Huarong Consumer Finance, etc. Generally, there are higher interest rates, and the repayment method is generally equal amounts of interest (equal amounts of principal and interest). 10. Current loan water loan is a small amount of credit issued to qualified self-employed individuals, small and micro enterprises, shareholders or actual controllers in a convenient and simple way based on the settlement amount of small and micro enterprises in the Minsheng Bank account. loan. 1. Academic credits are designed for full-time undergraduate (or above) degrees. Users who have graduated for a certain period of time can apply for consumer loans through banks. It is a credit loan product specially designed for individuals who own red book houses and is used to solve short-term operations, daily payment settlements and financial management. For example, industrial consumer finance, small winning loans, etc. Generally have higher interest rates. 13. Car loans are applicable to customers who are currently providing car loans and those who have provided car loans before. The car loan issuing institution must be a bank or a car finance company, and the repayment method is usually a period of time. 14. Owner loan car owners, including full-time car or mortgage car owners, can apply for consumer loans through banks, consumer financial institutions, etc. For example: Ping An Puhui, CreditEase Puhui, Dianrong.com, etc. 15. Rent loan 16. Peer loan, peer loan, 'relay loan' and 'follow-up loan'. It means that other banks or financial institutions have provided loans, so I have provided loans. The logic is: your risk control must be good. If you can give it away, I dare to let it go. 17. Micro-credit is not a micro-loan of WeBank. It is the same as 'peer loan', 'relay loan', and 'follow-up loan'. It is just that the user has a micro-loan limit of WeBank, and the financial company also A line of credit was placed. 8. Credit card loans Financial institutions also provide credit loans based on the credit status and credit limit of the credit card holder. 19. Qualification loans are suitable for enterprises with special industry qualifications, such as kindergarten licenses, tobacco licenses, etc. You can apply for consumer loans through financial institutions, etc. 20. Venture loans and entrepreneurial loans refer to small credit loans that are different from current consumer loans and are used to meet the personal entrepreneurial needs of urban and rural residents. Summary: Not any one of the 20 common loan conditions above can be used to obtain a loan, or several conditions together. To put it simply, if you have a house, a car, a job, good credit, and relatively low debt, getting a loan is very simple. It is recommended to lend to formal banking institutions and licensed consumer finance companies. Related Q&A: What is the interest rate of Standard Chartered Bank? The interest rate of Standard Chartered Bank is based on the actual situation of the borrower and floats on the RMB loan benchmark interest rate issued by the People's Bank of China. The specific floating ratio is based on the borrower's credit situation, economic situation, and income. The following is the current benchmark interest rate for RMB loans issued by the People's Bank of China: 1. Commercial loans: 1. The interest rate for loans under 1 year (including 1 year) is 4.35; 2. 1- The loan interest rate for 5 years (including 5 years) is 4.75; the loan interest rate for 3 or more than 5 years is 4.9. 2. Provident fund loans: 1. The interest rate for loans under 5 years (including 5 years) is 2.75; 2. The interest rate for loans over 5 years is 3.25.

4. What are the personal credit products?

List the loan products of the five major banks:

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

BoCom: personal car loans, personal housing mortgage loans, personal revolving loans, personal comprehensive credit, personal short-term operating loans, personal home decoration loans, etc.