1. Which bank is better for loans?

1. Bank of China: Approaching the homes of ordinary people. The biggest feature of "Bank of China" is that it has changed the previous image of the bank as aloof and superior. 2. Agricultural Bank of China: Create a “golden key” mortgage brand and focus on housing loan business. 3. Industrial and Commercial Bank of China: The first personal home furnishing portfolio loan was launched, as well as personal home furnishing portfolio loans and personal commercial housing down payment loans. 4. China Construction Bank: Providing a full range of convenient housing services, "CCB" provides a complete range of personal housing loans. For more information on which bank to choose for a loan, go to: /ask/c3458c1615828988.html?zd to view more content

2. Which bank is good for a loan! ! !

Ping An Bank’s unsecured microcredit has the lowest threshold, the loosest review standards, and the smallest risk in the mainland market.

The minimum monthly income for a loan is 2,000 or more;

You must have a credit record (credit card), or a home loan record, or a car loan record, or have had a business loan.

The four pieces of information provided are:

ID card; proof of income; proof of work; and proof of address (residence).

3. Which bank is better for personal loans?

Bank loans can usually be processed through the machine. However, because the funds do not understand this, there are many things needed during the loan process, and the documents cannot be prepared or are delayed. So most machines will be rejected when going to the bank! I suggest you find a lending institution so that you can save time and effort and get paid quickly!

4. Which bank is better for personal loans?

Better banks for personal loans include China Merchants Bank, China Construction Bank, Agricultural Bank of China, Industrial and Commercial Bank of China, Industrial Bank, Hua Xia Bank, Bank of Communications, etc.

Personal consumption loan bank comparison:

1. Characteristics of China Merchants Bank’s personal consumption loan products: It can be issued in batches according to customer needs.

2. Agricultural Bank of China is the golden key to building a mortgage brand. For example, for a salary loan: you must be 18 years old or older and not more than 60 years old;

The starting amount of the loan is 10,000 yuan; your credit score is 490 (inclusive) or above; both the borrower and your spouse have good credit records. Loan amount: generally 200 times the monthly provident fund payment, up to 300,000 yuan, loan period: 3 months to 36 months, reference annual interest rate: 7.2.

3. Features of ICBC personal consumption loan products: Comprehensive personal consumption loans have a wide range of consumption uses, higher loan amounts, and longer loan periods; Chinese citizens aged between 18-60 years old; loan period No more than 3 years;

Loan amount: starting point is 10,000 yuan, maximum not exceeding 500,000 yuan; loan period: up to 36 months, you can apply for renewal after expiration; reference annual interest rate: 7.2

4. Features of Industrial Bank’s personal consumption loan products: The credit period for personal comprehensive consumption lines can be up to 10 years. The quota can be used repeatedly within the credit period, and the used quota can be restored after the loan is repaid. There are various guarantee methods, including pledge, mortgage, mortgage plus guarantee, guarantee guarantee or credit.

5. Features of Hua Xia Bank’s personal consumption loan products: Flexible use of funds: Within the period and amount agreed in the contract, you can borrow and repay as you go, and pay as you go, no longer needing approval one by one; various guarantee methods: Both pledge and mortgage guarantees are acceptable; the term is longer: the loan term can be up to 5 years.

6. Features of China Construction Bank’s personal consumption loan products: high loan limit, wide range of consumption purposes, and low loan interest rate. For its Quick E-Loan product, the loan interest rate is only about 7.6.

7. Bank of Communications: Provides customers with recyclable credit or guaranteed credit lines within a certain period. When customers need money, they can withdraw money at any time through online banking and telephone banking electronic channels, easily Spend by credit card and pay online.

For example, the loan amount of e-Loan 2.0: up to 1 million yuan, the maximum payment period is 6 months; the loan period: the maximum 36 months; the reference annual interest rate: about 7.5.

Personal credit loans are individuals. When applying for a personal credit loan, most banks require applicants to provide valid identification, marriage status, spouse’s valid identity, spouse’s income, and real estate that can prove their asset capabilities. Certification and other information.

The bank specifically sets the loan amount based on the customer's credit situation and repayment ability. As long as they pass the loan review, these customers can obtain personal loans of different amounts without guarantee by relying only on their personal credit.

Notes on personal loans:

1. Apply for a loan amount within your ability. When applying for a personal loan, borrowers should make correct judgments about their financial strength and repayment ability, and at the same time make correct and objective predictions about their future income and expenses.

2. Choose a good loan bank.

3. Choose the repayment method that best suits you.

4. The information provided to the bank must be true.

5. The address provided by the borrower must be accurate, and the address provided by the borrower to the bank will be accurate so that the bank can easily contact the borrower and receive the repayment notice sent by the bank on time every month.

6. Make monthly repayments on time to avoid penalty interest. For borrowers, they must pay attention to whether there are sufficient funds in their repayment account before the agreed monthly repayment date.