Lijiang has four major state-owned banks: Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank. The four major banks are all located in the ancient city. There are also China Merchants Bank and Postal Savings Bank on the edge of the ancient city.
Information expansion:
Relatable banks:
1. Industrial and Commercial Bank of China product name: Financing E-loan interest rate: annualized 7.2, for a few people it is as low as It's around 4 o'clock. Limit: 600-800,000, basically equal to the credit card limit. Term: 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. Evaluation: The name of "Universe Xing" is not for nothing, it is considered a conscience. 2. China Construction Bank product name: Quick loan interest rate: annualized around 6. Quota: up to 300,000. Term: 1 year. One-time repayment of principal and interest. Evaluation: Conscience Loan. You need to have business dealings with China Construction Bank to get a limit, such as housing loan, financial management, provident fund, etc.
3. Agricultural Bank of China product name: NetJie loan interest rate: annualized around 5. Quota: up to 300,000. Term: 1 year. One-time repayment of principal and interest. Evaluation: Conscience Loan. The threshold is higher than that of China Construction Bank, and the opening is tighter. China Construction Bank gave Lao Dai a quick loan line of 150,000 yuan, but the Agricultural Bank of China only gave him a symbolic 20,000 yuan, which is still not available now.
4. Shanghai Pudong Development Bank product name: Point loan 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: Conscience Loan. However, you need to have a provident fund to get a loan, and not all cities are open to it. Compared to their Universal Gold, this one is simply too conscientious. Product name: Universal Gold Interest rate: annualized around 18. Quota: up to 400,000. Duration: Maximum 3 years. Repay monthly, equal principal and interest. Rating: Black Heart Loan. Don't use it unless absolutely necessary.
5. Bank of China product name: E-loan interest rate: annualized around 6. Quota: up to 300,000. Term: 1 year. Interest is paid monthly and the principal is repaid upon maturity. Evaluation: Conscience Loan. The threshold is higher. 5. CITIC Bank product name: Accumulation Loan Interest rate: annualized around 6. Quota: up to 300,000. Term: 1 year. Interest is paid monthly and the principal is repaid upon maturity. Evaluation: Conscience Loan. The threshold is relatively high, no more than 2 other loans can be made, provident fund is required, and it is easier to apply for those within the system. Product name: Dream Gold Interest rate: 9 per annum. Quota: up to 300,000. Duration: up to 3 years. Repay monthly, equal principal and interest. Rating: Conventional loan. The threshold is not high. You can basically apply for their credit cards, but some of them will occupy the credit card limit. Product Name: New Quick Cash Interest Rate: The normal annualized rate is around 9, and it drops to around 6.8 during promotions. Quota: up to 300,000. Duration: Maximum 3 years. Repay monthly, equal principal and interest. Rating: Conventional loan. The threshold is not high. You can basically apply for their credit cards, but some of them will occupy the credit card limit.
6. Everbright Bank product name: provident fund loan interest rate: annualized around 6. Quota: up to 300,000. Duration: up to 3 years. There are two repayment methods: equal principal and interest, and monthly interest repayment. Evaluation: Conscience Loan. The threshold is relatively high, requiring a provident fund, and not all cities are open to it.
7. Postal Bank product name: Postal loan interest rate: annualized around 14. Quota: up to 200,000. Duration: Maximum 2 years. Equal principal and interest. Rating: Black Heart Loan. The threshold is not high, don't use it unless absolutely necessary.
8. Bank of Communications product name: Haoxiangdai Interest rate: annualized 8.64-11.16. Quota: up to 300,000. The amount is non-recyclable. Duration: Maximum 2 years. Equal principal and interest. Rating: Conventional loan. 9. China Merchants Bank product name: E loan interest rate: annualized around 18, with daily interest rate of RMB 50,000. Quota: up to 300,000. The amount is non-recyclable. Duration: Maximum 2 years. Equal principal and interest. Rating: Black Heart Loan. Xiaozhao's credit card is doing well, so let's forget about this loan.
10. Ping An Bank product name: i-loan interest rate: annualized around 18, with daily interest rate of RMB 50,000. Quota: up to 50,000. Duration: Maximum 1 year. Equal principal and interest. Rating: Black Heart Loan. Product name: Oxygen loan interest rate: annualized around 20. Quota: up to 300,000. Duration: up to 3 years. Equal principal and interest. Rating: Extremely black-hearted loan.