There are many loan platforms in the market that can also lend money. It is most important for borrowers to choose a reliable loan platform. Usually, a reliable loan platform has two characteristics, one is more formal, and the other is reasonable interest rate. So, what are the more reliable loan platforms? Let's take a look at it for everyone.

What are the more reliable loan platforms?

1. Zhaolian Good Term Loan: Zhaolian Finance is a pure credit loan with a financial license issued by the central bank. The operation time is long and has a certain intensity. The maximum loan amount is 50,000 yuan, and the annualized interest rate is as low as 7.2%. The borrower meets the basic conditions, uploads the ID card and binds the bank card to apply.

3.e-point loan: The credit loan products of Yin Bei Consumer Finance are also licensed financial institutions, with a credit line of 1 0,000-50,000, a loan term of 3- 12 months and an annualized interest rate of 10.8%-24%. The specific credit line and interest rate are given after comprehensive evaluation by the system.

4. Comfort flower: a credit loan for spot consumption finance issued by a licensed financial institution, with the amount of1-200,000, the loan term of 1- 12 months, and the loan interest rate is relatively low. It is not necessary to provide any collateral and guarantee for borrowing, but the applicant can borrow only after meeting the conditions and completing real-name authentication according to the prompts and passing the system evaluation.

5. Huaya Borrowing Money: It is also a product of licensed financial institutions, which has the characteristics of fast application and fast lending. Chinese mainland residents aged 22-45 can complete the authentication and get a quota by providing their ID cards and bank cards, with a maximum quota of 300,000. The loan interest rate is determined according to the comprehensive situation of users, and the specific interest rate is subject to the display on the App homepage after the quota application is successful.

If you borrow money, it is convenient and easy to borrow money from the platform. Du Xiaoman's credit service products have money to spend, providing users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman APP (official measurement below). The daily interest rate of money consumption loan is as low as 0.02%, the annualized interest rate is as low as 7.2%, and the maximum loan is 200,000! It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.

References:

Du Xiaoman has money to spend on official website.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

Life insurance policy loan binding bank card without bank card.

Hello, the life insurance policy of cash value loan must provide bank card binding, otherwise the loan can't arrive, and you can apply for a bank card of any bank.

How to use the policy loan?

Requirements for policy loans:

1, the policy is valid for more than 6 months;

2. The insurance policy has certain commercial value;

3. Failing to pay the insurance policy in the past two years;

4. The lender's credit status is good, and there is no malicious overdue record;

5. The lender has a stable source of work income;

6. Other conditions stipulated by the bank.

In the Notice of China CIRC on Further Improving the Actuarial System of Life Insurance issued by CIRC, Article 4 clearly stipulates that if an insurance company provides policy loan services, the proportion of policy loan shall not be higher than 80% of the cash value or account value of the policy.

An insurance company may not accept the applicant to pay the personal insurance premium with cash value and repay the policy loan with a credit card.

Extended data:

Policy loans should pay attention to:

1, the policy loan speed is fast, and the general loan arrival time is 1-3 days. For small partners who are in urgent need of money, there is no need to worry about losing their protection because of surrender, and they can also avoid the losses caused by surrender, so policy loans are more suitable for people who need short-term capital turnover.

2. Policy loans must be applied by the applicant or the insured, and entrustment is not allowed. In addition, the policy loan applicant should be 18 years old and legally hold the policy, otherwise it will have no loan effect.

Since the insurance policy is used as collateral, there is no need to find someone to be the guarantor of the loan.

4. The general loan amount does not exceed a certain proportion of the cash value of the policy, and at the same time it needs to bear certain loan interest.

5. Generally, you can't apply for loans for policies that have been exempted from premiums, automatically paid premiums and are applying for claims, depending on the terms of each insurance company.

6. After the loan repayment is completed, don't forget to cancel the policy loan procedures.

Baidu encyclopedia-policy loan

Notice of China Insurance Regulatory Commission Network-China Insurance Regulatory Commission on Further Improving the Actuarial System of Life Insurance?