Banks with fast loans are:
1. China Guangfa Bank. Guangfa e-second loan under Guangfa Bank is a pure credit loan product. For office workers with good personal credit, it is relatively easy to apply. Generally, as long as their personal qualifications meet the requirements, the approval results will be issued within 1 working day at the earliest.
Second, Shanghai Pudong Development Bank. Generally, as long as the borrower holds the debit card or credit card of Shanghai Pudong Development Bank, he can try to apply for credit loan products such as bank loan, universal fund and elite loan. Usually, as long as users have good personal qualifications and stable income, they can apply.
Third, Minsheng Bank. Personal credit loan products under Minsheng Bank can be approved within 10 working days as long as users can provide stable work certificates, income certificates and good personal credit.
4. Ping An Bank. Ping An Bank's new loan is also an online credit loan product. As long as the user's personal credit is good and has a certain repayment ability, the audit is also faster.
Generally speaking, the loan approval of joint-stock banks is relatively lower than that of the four major banks, and the speed is relatively faster.
The easiest bank to approve credit loans
Personal credit loan can be said to be a loan method that people are more willing to accept. Let me briefly introduce several banks in batches.
1, ICBC wealth management e-loan
ICBC's personal credit loan brand has a high loan amount of up to 800,000 yuan and a low loan interest rate, with a minimum annual interest rate of 4.35%(LPR0.5%), which is updated monthly. Moreover, there was interest rate activity from July 26th to August 3rd, 20221,and the one-year interest rate was as low as 3.99%, which was quite good.
2. Bank of Communications Huimin Loan
The personal consumption loan that Bank of Communications can apply for online is a pure credit application without mortgage or guarantee. The online loan amount can be up to 200,000, and the offline audit can be up to 500,000. The longest loan period is 36 months, and the minimum annual interest rate is 4.32%. Whether it is the amount, term or interest rate, it is also a better choice.
3. Xingshan loan
Industrial Bank's personal credit loan brand has a maximum loan amount of 200,000 yuan and an annual interest rate (simple interest) as low as 5.5%. It can be repaid with the loan, and the interest of prepayment is calculated according to the actual days of use, and no prepayment fee is charged. The credit loan method is very flexible, the loan amount is not low, and the interest rate is not high.
4. Guangfa e-second loan
The personal credit loan products of Guangfa Bank are applied online all the time. Even if they are approved, they are unsecured and unsecured. The maximum amount is 200,000, the annual interest rate is 4.8%, and the loan period is up to 3 years. Credit loans have obvious characteristics and are a good choice.
Which bank loan is the easiest to approve?
Relatively speaking, bank loans such as ICBC, Agricultural Bank of China, China Construction Bank, Shanghai Pudong Development Bank and Bank of Communications are relatively easy to approve.
In addition, credit cards (debit cards) of some local commercial banks are relatively easy to approve. Bank of Guangzhou and Bank of Suzhou can operate and choose according to the characteristics of the card.
Where can I get a loan?
Hello, ICBC.
1, Industrial and Commercial Bank of China
ICBC's personal comprehensive consumption loan has a wide range of consumption purposes, a high loan amount and a long loan period.
2. China Merchants Bank
Credit loans of China Merchants Bank can be issued by stages according to customers' needs, and the sum of each loan amount does not exceed the approved loan amount. Each loan has the same loan term and repayment method.
3. China Construction Bank
CCB has a high loan amount, a wide range of consumer uses and a low loan interest rate. The fast e-loan launched by CCB has an interest rate of around 7.6%.
4. Industrial Bank
The longest credit period of the comprehensive personal consumption line of Industrial Bank can reach 10 year. During the credit period, the line is reused, and the used line can be recovered after the loan is repaid.
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.