The following four banks have low loan thresholds:

1. CCB Quick Loan. China Construction Bank Quick Loan is a credit loan platform under China Construction Bank, including a variety of different credit loan products.

Among them, Quick Loan has a minimum loan application threshold and a maximum loan amount of 200,000 yuan. As long as the user If your personal credit information is good and you have a relevant account with China Construction Bank, you can try to apply.

2. Bank of Communications Haoxiangdai. Bank of Communications Enjoy Loan is a credit card loan product of Bank of Communications. It does not occupy the credit card limit and can give users a credit limit of up to 150,000.

The threshold for receiving a loan from Bank of Communications is not high. As long as you hold a Bank of Communications credit card, you can try to apply for a good loan in Bank of Communications mobile banking.

3. China Merchants Bank e-loans. China Merchants Bank e-China Merchants Bank is a small loan product of China Merchants Bank and a credit card loan product. The maximum loan amount that can be applied for via China Merchants Bank e is 200,000 yuan, which does not occupy the credit card balance.

Users who hold China Merchants Bank credit cards can try to apply. If it is during the preferential period, the daily interest rate of China Merchants Bank e-loan is as low as 0.04.

4. Bank of China E-loan. BOC E Loan is Bank of China’s personal online consumer loan product.

Users who have paid wages with the Central Bank for more than 6 months, paid mortgage loans with Bank of China for more than 24 months, and paid provident funds with Bank of China for more than 6 months can try to apply. The maximum loan amount that can be applied for Bank of China E-loan is 300,000 yuan.

Loans (electronic IOU credit loans) are simply understood as borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined time limit or to quickly realize cash without loss, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis for the bank’s continued operation.

For example, if a long-term loan has a higher interest rate than a short-term loan, the efficiency will be good. However, if the loan period is longer, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony between the "three natures" so that there will be no problems with loans.

Repayment method:

1. Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same;

2. Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) throughout the repayment period, and pay it off at the same time A repayment method based on loan interest from the previous trading day to the current repayment date. In this way, the monthly repayment amount decreases month by month;

3. Monthly interest payment and principal repayment on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [with a period of less than one year] (Applicable to loans (including one year)), the interest on the loan is calculated on a daily basis, and the interest is returned on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can apply to the bank to repay part of the loan amount in advance. Generally, The amount is 10,000 or an integral multiple of 10,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period have changed, but the repayment method remains unchanged, and the new The repayment period shall not exceed the original loan period.

5. Repay the entire loan in advance: The borrower applies to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and repay at any time: The interest after borrowing is calculated on a daily basis, and one day is used to calculate the interest. You can settle the payment in one lump sum at any time without penalty.