Every bank has its own credit loan products.
1, fast loan from China Construction Bank
CCB's personal credit loan products are mainly "quick loans". China Construction Bank's fast loan can provide you with up to 5 million credits, mainly for online application, covering cash withdrawal, shopping and so on.
2. China Industrial and Commercial Bank's margin financing and securities lending.
China Industrial and Commercial Bank of China can rank second in the latest top ten bank credit loan rankings. ICBC can provide loans as low as 600 yuan and as high as 800,000 yuan, with a service life of up to 5 years.
3. Electronic loan of China Merchants Bank
E-loan of China Merchants Bank is a bank credit loan product specially provided for credit card users of China Merchants Bank. The loan amount can reach 300,000, which can be repaid with the loan, and the next payment speed is also very fast.
4. China Bank Easy Loan
Bank of China E-loan is an online loan product of China Bank. You can apply through the internet for the whole process, with a loan amount of 300,000 yuan and a service life of 12 months.
5. Bank of Communications enjoys loans.
Bank of Communications can enjoy loans, ranking fifth among the top ten banks in terms of credit loans. Bank of Communications enjoys a pure credit loan, the amount of which depends on the borrower's situation, and the repayment period is between 3-24 installments.
6. Minsheng Bank consumes small loans.
Minsheng Bank's consumer microfinance is a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary. Apply for credit loans, such as tax bills.
7. Letter from China CITIC Bank-Second Loan
CITIC Bank ranks seventh in the latest top ten bank credit loan rankings. CITIC Bank can provide qualified customers with loans of up to 300,000 yuan, with the loan term as short as 1 month and as long as 12 months.
8. Puyin integral loan of Shanghai Pudong Development Bank
Pudong Development Bank Puyin Integral Loan can provide loans of up to 300,000 yuan for people aged 18-60, and the processing process only takes about 3-5 minutes.
9. Agricultural Bank's online loan
Agricultural Bank's online loan is mainly aimed at specific customers, so you need to apply for a mortgage at Agricultural Bank. However, with the characteristics of online application, quick approval and quick repayment, ABC NetJet ranks ninth in the top ten bank credit loan rankings.
10, China Everbright Bank lends money at will.
Everbright Bank is currently at the bottom of the latest top ten bank credit loan rankings. The service group of China Everbright Bank is 22-55 years old, and borrowers need to buy "personal loan guarantee insurance".
Which banks can handle credit card loans? Which bank is good for credit card loan?
The requirements of credit card loan business audit are not very strict. As long as you have good credit and repayment ability, you can generally apply for a credit card loan, which has won the enthusiasm of many young people. Which banks can handle credit card loans? Let's introduce them one by one.
Which banks can handle credit card loans?
Consumers can choose according to their own needs. For example, Bank of China, Industrial and Commercial Bank of China, China Merchants Bank and China Construction Bank have all opened online credit card business.
Which bank is good for credit card loan?
Bank of Communications, China Guangfa Bank, China CITIC Bank and Huaxia Bank have done more. However, the maximum loan amount of credit card pre-lending business in different banks is different, generally depending on the cardholder's credit card amount, which generally refers to 90% of the credit card amount, and there are also credit card amounts of 100%. The following focuses on the analysis of several commercial banks.
Huaxia Bank Credit Card Loan-Yidajin
Reason for listing: Huaxia Bank's credit card microfinance business is "one-for-one". The application procedure is very simple, just provide proof of identity and work income, and there is no household registration restriction. The lending speed of EasyGold is generally 5 days, and the rate is much lower than that of credit cards with the same function. In terms of rate, there is no interest, only the handling fee of the total loan. There is no maximum amount, depending on customer qualification. Can Hua Xia Bank's Yidajin be withdrawn directly?
Bank of Communications Credit Card Loan-Enjoy the Loan
Reason for listing: Bank of Communications enjoys the loan, which is a business that increases the credit limit of Pacific Credit Card of Bank of Communications designated by the cardholder within a certain period of time according to the cardholder's application, and automatically stages the qualified transactions. The amount of "loan enjoyment" depends on the cardholder's credit card account, which is usually around 654.38+ 10,000 yuan.
Compared with other banks' credit loans, Bank of Communications Easy Loan is more convenient. You can apply by phone. After opening, the credit card limit will be automatically upgraded. In the future, each consumption will be automatically divided into 12 installments, which is equivalent to the cardholder obtaining a credit loan of about 654.38+10,000 yuan. The loan fee is the installment fee of the credit card, and the monthly interest rate is lower than most credit loans.
Ping An Bank Credit Card Loan-New Loan
Reason for listing: Ping An Bank's personal credit loan product is a "new loan", which only charges interest and no handling fee. According to different customer groups, new loans have different rates: teachers, civil servants and other expected annualized interest rates, ordinary salaried customers, self-employed people and other repayment methods are equal principal and interest or average capital, and the advance loan amount is limited to 300,000-500,000 yuan.
Industrial Bank Credit Card Loan-Suixing Loan
Reason for listing: The credit card cash installment business includes the "interest-bearing loan" of Industrial Bank, which is divided into 3 to 36 installments, with an advance loan amount of 2,000-50,000 yuan, which is expected to arrive in about one month, and the handling fee is provided in two ways: installment or one-time collection.
China guangfa bank credit card loan-financial intelligence fund
Reason for listing: Cai Zhijin of Guangfa Bank introduced that cardholders who have issued GDB cards for half a year can apply to the bank for cash advance. The application amount must be an integer multiple of 1000 yuan, with a minimum of 2,000 yuan. After the application is successful, the money will be directly transferred to the domestic savings account designated by the cardholder.
The cardholder can choose to repay the loan in installments of 6 months, 12, 18 or 24 months, and the bank will charge a handling fee for the total amount of each installment.
Credit Card Loan of China CITIC Bank-Xinjinbao
Reason for listing: CITIC Bank's New Jinbao is a convenient, efficient and low-cost personal unsecured and unsecured cash advance service provided by CITIC Bank's credit card for customers with stable work and income.
The installment amount can be used for any reasonable personal or family consumption, such as car purchase, decoration, travel, further study, home appliance purchase and other consumer needs. The installment amount shall not be used to invest in the stock market, futures market, real estate or any other equity investment.
The bank will comprehensively determine the installment amount according to the cardholder's income and credit status, with a maximum of 300,000 yuan. 12/24/36, paying the principal and interest monthly.
Which bank can apply for a credit card loan?
1, Ping An Bank's credit card has no loan business.
If you need funds, Ping An Bank provides unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether the approval is successful or not is evaluated according to your comprehensive qualifications. You can log in to Ping An Pocket Bank APP- Loan for details and try to apply.
Reply time: 202 1-08-04. Please refer to the latest business changes announced by Ping An Bank in official website.
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