Which bank loan is easiest to approve
Relatively speaking, loans from banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Shanghai Pudong Development Bank, and Bank of Communications are easier to approve.
In addition, some local commercial bank credit cards (credit cards) are relatively easy to approve. Guangzhou Bank, Suzhou Bank, etc. can be selected based on the characteristics of the card.
Relatively speaking, loans from banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Shanghai Pudong Development Bank, and Bank of Communications are relatively easy to approve.
In addition, some local commercial bank credit cards (credit cards) are relatively easy to approve. Guangzhou Bank, Suzhou Bank, etc. can be selected based on the characteristics of the card.
Relatively speaking, loans from banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Shanghai Pudong Development Bank, and Bank of Communications are relatively easy to approve.
In addition, some local commercial bank credit cards (credit cards) are relatively easy to approve. Guangzhou Bank, Suzhou Bank, etc. can be selected based on the characteristics of the card.
Relatively speaking, loans from banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Shanghai Pudong Development Bank, and Bank of Communications are relatively easy to approve.
In addition, some local commercial bank credit cards (credit cards) are relatively easy to approve. Guangzhou Bank, Suzhou Bank, etc. can be selected based on the characteristics of the card.
Which bank loan is easy to get approved?
Introduction to the top ten bank loan products:
1. Industrial and Commercial Bank of China
Product name: Rong E loan
Interest rate: annualized Around 7.2%, it can be even lower when encountering promotions.
Limit: 600-800,000, basically equal to the credit card limit.
Period: Generally 2 years, maximum 5 years. Four repayment methods are supported: equal principal and interest, equal principal, one-time principal payment with interest on schedule, one-time principal and interest payment, and early repayment is supported.
2. China Construction Bank
Product name: Quick e-Loan
Interest rate: about 6% annually.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: You must have business dealings with China Construction Bank before you can get a limit, such as housing loan, financial management, provident fund, etc.
3. Agricultural Bank of China
Product name: Wangjie Loan
Interest rate: about 5% annually.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there are also opportunities to provide quotas. Friends who have business dealings with Agricultural Bank of China can try it.
4. Shanghai Pudong Development Bank
Product name: Diandai
Interest rate: annualized 6.3%.
Quota: up to 300,000.
Term: 5 years. For those with more than 1 year, you can only choose the repayment method of equal installments of principal every month or equal installments of principal and interest this month.
Evaluation: However, you need to have a provident fund to get a loan, and not all cities are open to it.
5. Bank of China
Product name: E-loan
Interest rate: about 6% annually.
Quota: up to 300,000.
Term: 1 year. Interest is paid monthly and the principal is repaid upon maturity.
Evaluation: A popular product of state-owned banks, the application threshold is high.
6. China CITIC Bank
Product name: Dream Realization Gold
Interest rate: annualized 9%.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Evaluation: The threshold is not high. You can basically apply for a credit card from CITIC Bank, but some of it will occupy the credit card limit.
7. China CITIC Bank
Product name: New Express
Interest rate: The normal annualized rate is about 9%, and it drops to about 6.8% during promotions.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Reviews: Some of them will occupy your credit card limit.
8. Everbright Bank
Product name: Provident Fund Loan
Interest rate: annualized around 6%.
Quota: up to 300,000.
Term: up to 3 years. There are two repayment methods: equal principal and interest, and monthly interest repayment.
Evaluation: Provident fund is required, but not all cities are open to it.
9. Postal Bank
Product name: Postal Banking Loan
Interest rate: annualized around 14%.
Quota: up to 200,000.
Term: up to 2 years. Equal principal and interest.
10. China Merchants Bank
Product name: E Merchants Loan
Interest rate: about 18% per annum, with a daily interest rate of RMB 50,000.
Quota: up to 300,000. The amount is non-recyclable.
Term: up to 2 years. Equal principal and interest.
A bank with good loans
ICBC is good.
1. Industrial and Commercial Bank of China
ICBC's comprehensive personal consumption loans have relatively wide range of consumption uses, higher loan amounts and longer loan terms.
2. China Merchants Bank
Chinese Merchants Bank’s credit loans can be issued in installments according to customer needs. The sum of the amount of each loan shall not exceed the approved loan amount. The loan period of each loan shall not exceed the approved loan amount. Same, the repayment method is the same.
3. China Construction Bank
China Construction Bank has a high loan limit, a wide range of consumer uses, and low loan interest rates. The interest rate of the quick e-loan launched by China Construction Bank is about 7.6%.
4. Industrial Bank
The credit period of Industrial Bank’s personal comprehensive consumption limit 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.
Extended information
Things to note when applying for a loan are as follows:
1. The information provided to the bank must be true, and the address and contact information provided must be accurate. The bank must be notified in time;
2. The purpose of the loan must be legal and compliant, and the transaction background must be true;
3. Choose one that suits you based on your repayment ability and future income expectations. Repayment method;
4. When applying for a loan amount, you must act within your ability. Usually, the monthly repayment amount should not exceed 50% of the total household income;
5. Read the terms of the contract carefully and understand own rights and obligations;
6. Repay the loan on time to avoid bad credit records;
7. Do not lose the loan contract and IOU. For mortgage loans, after paying off the loan Don't forget to cancel the mortgage registration;
8. Early repayment must be communicated with the bank one month in advance before it can be processed.
9. When applying for commercial loans to foreigners, banks generally require borrowers to have a stable income in the local area and to go to the place of residence to issue a household registration certificate (some banks also require an office certificate), while house purchase guarantees The company's requirement for foreigners is that they must have local income and apply for a temporary residence permit.