1. Haoqidai

Haoqidai is a large credit loan software from China Merchants Union Consumer Finance. The maximum amount is 200,000, and the loan can be borrowed for up to 60 months. Interest is calculated on a daily basis, and the daily interest rate is as low as 0.029%. It is required to be between 18-50 years old, be a real-name Alipay user, and have a Sesame score of 600 or above.

2. Home Credit Super Loan

Home Credit Super Loan is Home Credit Consumer Finance’s loan platform for new Home Credit users. The maximum amount is 50,000 yuan, which can be divided into 6-48 installments. Applicants are required to be between 20 and 55 years old, have a stable job, and have a monthly income of no less than 2,000 yuan.

3. Zhongteng Credit

Zhongteng Credit is the loan software of Zhongteng Financial Information Services (Shanghai) Co., Ltd. The maximum limit is 250,000, which can be divided into up to 48 installments, and the lowest monthly rate is 0.69%. No mortgage or guarantee, simple information and fast loan. The applicant must be between 22 and 66 years old and must have a ZhongTenXin business outlet in the city.

4. Lujindai

Lujindai is a large installment loan platform of Lufax, a subsidiary of Ping An. The maximum limit is 500,000, and the maximum loan period is 60 months. The daily interest rate is 0.025%. No mortgage required, no materials required, and the loan can be issued in as little as three minutes. If you are over 18 years old and have a real-name mobile phone number, you can apply.

Loans refer to funds borrowed by enterprises or individuals from financial institutions such as banks and other units. Borrowing is divided into long-term and short-term borrowing. The advantages include rapid financing, high borrowing flexibility, low cost, financial leverage, and easy for enterprises to keep financial secrets. The disadvantages include high financing risks, many restrictions on use, and limited financing amounts.

Borrowing is also divided into long-term and short-term borrowing.

Long-term borrowings refer to loans borrowed by enterprises from banks or other financial institutions with a term of more than one year (excluding one year). The long-term borrowings of China's joint-stock enterprises mainly include various long-term borrowings from financial institutions, such as loans obtained from professional banks and commercial banks; in addition, they also include borrowings from financial companies, investment companies and other financial enterprises. payment.

Long-term loans can be divided into three categories: capital construction loans, technological transformation loans and production and operation loans according to the different uses of the loans.

According to different repayment methods, long-term loans can be divided into two categories: long-term loans that are repaid in one lump sum on a regular basis and long-term loans that are repaid in installments.

According to the interest payment method and principal repayment method, it can be divided into long-term loans with interest payment in installments and repayment of principal at maturity, long-term loans with one-time payment of principal and interest at maturity, and long-term loans with principal and interest repayment in installments;

Long-term borrowings can be divided into long-term borrowings in RMB and long-term borrowings in foreign currencies according to the types of currencies involved.

According to different sources, long-term borrowings can be divided into long-term borrowings from banks and long-term borrowings from other financial institutions.