Which bank is best for approving pure credit loans
Which bank is best for approving pure credit loans
1. Industrial Bank-Xingxiangdai
The exclusive cash installment limit issued by Industrial Bank to high-quality cardholders is actually similar to a credit card loan. Only invited customers can apply for it. The minimum amount starts from 1,000 yuan, and the maximum amount is said to be 300,000. It can also be applied for in WeChat Bank. The system Automatically approve loans, and you can get a loan amount on the same day if you are qualified.
2. China Merchants Bank - e-Banking Loan
For personal credit loans issued by China Merchants Bank through credit cards, only high-quality cardholders can be qualified. The maximum limit is 300,000, and the maximum limit is 300,000. You can borrow for 2 years, and you can enjoy preferential interest rates if there are events, with a minimum of 0.45 per issue. You can apply directly on the China Merchants Bank Credit Card WeChat official account. The system will automatically approve the loan, and the results will be available as soon as the same day.
3. Minsheng Bank-National Le Installment
Minsheng Bank has also launched an exclusive installment business called Minsheng Universal Le Installment for high-quality cardholders, with a maximum limit of 300,000 yuan. , within the limit, you can handle three types of business: bill installment, free installment and cash installment. If you want to borrow money, you can apply for cash installment. You can transfer the Quanminle installment limit to the debit card under your name, and then repay the loan in installments.
In addition, there are Pudong Development Bank and CITIC New Express, which are also loans derived from credit cards. They are only available to high-quality customers. It is recommended that everyone use their cards well and develop good card usage habits. Getting used to it and repaying it on time will help you succeed in borrowing.
The above content is for reference only and does not provide any loan advice. Online loans are risky, so be careful when choosing!
Recommend you to get a loan from Xiaoman Finance (formerly Baidu Finance). The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast. It only takes 30 seconds at the fastest, and the loan funds can be received in 3 minutes at the fastest. You can borrow up to 200,000, and the daily interest rate is as low as 0.02.
Du Xiaoman - If you have money to spend (batch in seconds), click online to measure the amount
As a reminder: after the limit is exceeded, try to withdraw the full amount, because risk control is dynamic. Not many people can lend money now. If you have needs, it is recommended to withdraw the full amount. Early settlement and repayment is supported after the first installment.
Many people have enough money to spend, so you can try the following two platforms, which are also relatively formal licensed financial institutions! The review is relatively less strict! 360 IOU is a financial subsidiary of 360 Anti-Virus Software, and Fenqile is a subsidiary of Lexin. They are both large companies.
360 IOU can borrow up to 200,000 yuan!
Click to measure the amount online
You can borrow up to 50,000 in installment loan!
Click to measure the amount online
Which bank loan is easiest to approve
Relatively speaking, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Shanghai Pudong Development Bank, Bank of Communications, etc. Bank loans 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.
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 offers the best credit loan
The credit loan interest rates of large banks are similar. The interest rates you apply for vary according to personal conditions. The following banks provide low credit loan interest rates. Reference:
1. CCB Quick Loan: CCB Quick Loan is also a personal credit loan product with a relatively low interest rate. It was previously as low as 4.35, but the specific interest rate is based on the borrower’s credit, contribution, etc. Factors are differentially priced by the system.
2. Bank of China: Bank of China e-Loan Credit Loan, the annual interest rate limit of the loan is implemented at 4.35, and differentiated pricing is carried out with reference to the specific conditions of the lender;
3. Agricultural Bank of China: Wangjie On Daixindai, the lowest annual interest rate for a newly signed one-year loan is between 4.35 and 4.5. The interest rates vary in different regions, and the pricing is also differentiated based on the qualifications of the lender.
4. Postal Savings Loan-Youker Exclusive: Personal credit loan issued by the Postal Savings Bank, starting from 1,000 yuan, up to 200,000 yuan, with an annual interest rate of 4.35-7.05, comprehensive evaluation based on the borrower's qualifications Differential interest rates are adopted, and the details are subject to the interface display at the time of application.
1. The current benchmark interest rate for RMB loans is:
1. Short-term loans: within 6 months, the interest rate is 4.35, and the interest rate from 6 months to 1 year (including one year) is 4.35 ;
2. Medium and long-term loans: one to three years (including three years), the interest rate is 4.75; three to five years (including five years), the interest rate is 4.75; and the interest rate for more than five years is 4.90;
Personal credit consumption loans can be raised by a certain percentage based on the base interest rate.
For credit loans, the rate of increase in interest rates is very large, usually by 20% or more. The interest rates for credit loans from some larger banks and some joint-stock commercial banks are also quite different. The annual interest rate of credit loans of some major banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has lower interest rates, but has higher requirements for credit and qualifications. The requirements for the latter will be lower, but still much stricter than those of non-bank lending institutions.
2. Credit loan interest rate calculation formula
How to calculate interest is related to the repayment method selected. Common repayment methods include equal principal and interest and equal principal. The calculation formula is as follows :
1. Equal principal and interest:
Monthly repayment amount = loan principal × [monthly interest rate × (1-month interest rate) ^ number of repayment months]pide; {[（ 1 month interest rate) ^ number of repayment months]-1}
Total interest = monthly repayment number of loan months - principal
2. Equal principal:
Monthly repayment amount = (loan principal/number of repayment months) (principal - accumulated principal repaid) × monthly interest rate
Total interest = monthly interest rate on loan principal (loan monthly Number/20.5)
3. To apply for a credit loan, the following conditions must be met:
1. The applicant is over 18 years old and is a natural person with full capacity for civil conduct;
2. The applicant has a fixed residence and is a permanent resident in a local town;
3. The applicant has no illegal behavior and has no bad personal credit record;
4. Application The person has a legitimate occupation and a stable source of income, and has the ability to repay the principal and interest of the loan on time;
5. The applicant can provide relevant property certificates.
Which bank is good for 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. Consistent, 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 around 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 yourself rights and obligations;
6. Repay on time to avoid bad credit records;
7. Do not lose the loan contract and IOU. For mortgage loans, do not lose money after paying off the loan. Forgot 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 for 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.