Now that the financial industry is developed, people no longer borrow money from relatives and friends as in the past. Many people choose to apply for loans from banks. For loan users, how to apply for bank loans? Let's give you a comprehensive introduction.
Bank loan application process
Generally speaking, bank loans have the following four steps:
1. First understand the application requirements for bank loans, and then fill out the application form at the loan processing outlet with valid identity documents, pledge, mortgage and guarantor guarantee documents. After investigating the borrower's guarantee and credit, the bank will reply to the borrower within 15 days.
2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with the bank.
3. With the approval of the bank, after all the formalities are completed, the bank will issue the loan according to the contract.
4. Before the limit expires, the borrower shall pay off all the loan principal and interest under the limit, and go through the formalities of mortgage and pledge registration cancellation at the bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the bank will automatically terminate.
Now many banks have opened online banking business, and loans can also be completed online. The four major state-owned banks all have their own corresponding loan products. Here are some details.
Icbc Rong e steet
First, let's take a look at ICBC's products. Rong e loan is an unsecured and unsecured RMB loan issued by ICBC to eligible borrowers for personal legal and compliant consumption. Users can apply for self-service through online channels such as ICBC mobile banking, online banking, ICBC e-Life App or ICBC e-Link App, or they can apply offline.
The amount of E-loan is between 600,000 and 800,000, which is basically consistent with the credit card amount of users, and the annualized interest rate is around 7.2%. If the loan interest rate is low during the activity.
The loan term is generally 2 years, up to 5 years at the longest, and various repayment methods and early repayment are supported.
China construction bank kuaiyidai
Everyone is familiar with CCB Express E-loan, which is a special online loan product provided by CCB. The whole process is handled online, and the user can get a pure credit loan of 1 10-300,000 yuan, with the longest repayment period of 1 year.
The annual interest rate of fast e-loan is about 7.2%, and the loan interest is charged according to the actual days spent. The specific interest rate level and amount shall be subject to the actual page displayed by the user.
China merchants bank lightning loan
Lightning loan is an online loan business issued by China Merchants Bank to individual customers, and borrowers can use it to operate entities and make comprehensive consumption. Users can apply online through mobile banking and official WeChat account. The maximum amount of lightning loan is 300,000 yuan, and the minimum daily interest rate is two ten thousandths, subject to the actual display page of the user.
Ping' an haodai
Ping An Good Loan is a credit loan provided by Ping An Bank to customers, with a quota of 65,438+0,000-500,000 yuan, which is used for personal or family consumption or business purposes other than house purchase.
Applicants need to meet the following conditions:
1.23 -55 years old;
2. China citizens holding second-generation ID cards;
3. His household registration, working relationship or real estate must be in the location of our bank;
4. Have a good credit record.
The loanable amount of Ping An Good Loan is1-500,000, and the specific loanable amount and interest are assessed according to the applicant's credit report.
Ping An Good Loan is a kind of credit loan, which needs neither guarantee nor mortgage. Like the credit loans of major banks, the repayment methods are mostly equal principal and interest or equal capital. Ping An Good Loan is a combination of online and offline. If you meet the loan conditions of our bank, you can go directly to the local bank outlet to sign the loan after the appointment is successful.
The above is an introduction to several popular bank loans. In addition to bank loans, well-known internet companies have also launched their own credit brands, such as borrowing treasures, spending money, micro-loans and so on. , are big brands, characterized by reliability and low interest rates. (Click here to test the consumption amount for free)
Top ten conscience loan platforms
Everyone can get a loan in an emergency and then solve the urgent need, so borrowing has become a part of our life. However, most people don't know how to choose when borrowing money. Now let's introduce the top ten conscience loan platforms, namely Alipay, Du Xiaoman, Tencent, 360, Xiaomi Finance, Zhaolian Finance, Mashan Finance, JD.COM, 5 1 provident fund manager and installment music.
Introduction of Top Ten Loan Platforms
1, loans, consumption and online business loans through Alipay are all safe and reliable loan methods;
2. Du Xiaoman belongs to a loan platform owned by Baidu, mainly because he has money to spend and the loan is satisfactory. Their advantages are long installment time, low interest rate and relatively high loan amount;
3. Tencent's main business is micro-loan, but micro-loan belongs to the invitation system, and not everyone can use it;
The 360 loan of 4.360 is a more conscientious loan platform. As long as they are adults, they can borrow, and the loan amount is limited to less than 200,000;
5. Xiaomi Loan under Xiaomi Finance supports installment repayment and loan repayment;
6. China Merchants Finance's recruitment of good term loans is an old loan method and a formal platform for conscience;
7. Instant Finance's comfort flower is also very conscientious, and it is a formal platform for large companies to endorse;
8.JD。 COM's Jingdong Finance is also very conscientious, divided into white bars and gold bars, with different functions;
9.5 1 provident fund manager is mainly suitable for users who have paid the provident fund, and can provide provident fund, social security loans, and multi-release in the first instance;
10, installment music is also a loan platform and has a good reputation.
The above is the introduction of the top ten conscience loan platforms.
What is a good bank loan? Take the four major commercial banks as an example
With the popularity of online credit loans, major banks have also launched their own online credit products, and the whole process can be completed online. As long as the specific loan conditions of banks are met, as for "what bank loans are good loans", they are actually similar. Let's take the personal credit loan products of the four major commercial banks as an example to see the application conditions and judge whether it is good to borrow.
1. Bank of China-BOC Easy Loan
1. Personal credit network consumption loan, pure credit application, without mortgage, pledge or guarantee;
2. It is a high-quality payroll customer of China Bank, a wealth private bank customer, a mortgage customer or a social security/provident fund/tax customer;
3. The maximum loan amount is 300,000 yuan, and the loan period is 12 months, during which the loan amount can be recycled;
4. It can be used for personal consumption expenses such as home improvement and car purchase;
5. Repayment methods such as one-time repayment of principal and interest at maturity and monthly repayment of principal and interest at maturity can be adopted.
Two. Industrial and Commercial Bank of China-Rongge Loan
1, pure credit, unsecured and unsecured RMB loan products;
2. It is a quality customer of ICBC, such as credit card customers, social security accumulation fund customers, payroll customers, mortgage customers, wealth management and financial customers, etc.
3. The loan amount ranges from 600 yuan to 800,000 yuan, which is repaid with the loan, with daily interest. The longest loan period is 3 years, divided into 12, 24 and 36 phases;
4, can be used for home improvement, car purchase, tourism, business turnover and other purposes;
5. Support three repayment methods: average principal, matching principal and interest, paying interest on schedule, and paying principal at one time.
III. China Construction Bank-Fast Credit Loan
1. Micro-credit loans for online self-help in the whole process;
2. Being a quality customer of CCB, such as credit card customers, mortgage customers and financial assets customers;
3. The loan amount 1, 000-200,000 yuan, valid for 12 months, and can be used flexibly during the period;
4. There are no other procedures except paying interest as agreed in the contract;
5. It can only be used for legal and compliant consumption purposes.
4. Agricultural Bank of China-Netjet Loan
1, self-help application, automatic approval, self-help small consumer loan;
2. Issued to eligible individual customers of ABC, such as mortgage customers, payroll customers, VIP customers, housing provident fund customers and other white-listed customers;
3. The maximum loan amount is 200,000 yuan, the loan period is 1 year, and the longest consumption in the scene is 5 years;
4. The lowest loan interest rate can enjoy the LPR for the same period of the loan, that is, the minimum 3.7% for 1 year, subject to the actual approval results.
The above is about "what is a good bank loan". Bank loans and good personal credit information are the premise, and then it is easy to apply for loans if you become a high-quality customer of the bank.
What loan platform is more reliable and easy to pass?
At present, there are many loan platforms that can easily approve and borrow money, such as comfortable flowers for immediate consumption finance, 360 IOUs under 360 series, good loans for Zhaolian Finance, flowers for Ctrip Finance, JD.COM gold bars, white cat loans and flower duck loans.
Basically, the client 18 is over one year old and has full capacity for civil conduct; Have a stable income and the ability to repay the loan principal and interest on time; Personal credit is well maintained, and loans can be approved smoothly without any accident. Customers only need to provide their ID cards and bank cards when applying.
Of course, the final recognition still depends on the comprehensive evaluation results of the system.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.
The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.
Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Basic loan terms
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower.
The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
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