The loan amount through China Merchants Bank is small (less than 50,000 yuan). If you are already a user of China Merchants Bank and downloaded the mobile banking APP of China Merchants Bank, you can try to apply through this interface by logging in to mobile banking and clicking My-All-Loan-I want a loan. If you meet the credit card requirements of China Merchants Bank, you can try to apply for a credit card.

The loan amount is more than 50,000 yuan. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Due to the different requirements and application materials of each loan project, the current loan purposes are: car purchase, parking, decoration, education, bulk consumption shopping, tourism and other legitimate personal or family consumption; And the use of business turnover. You can call 95555 at 8:30- 18:00 to enter the manual service and provide the loan purpose and city for detailed information. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

Second, is the loan platform formal?

Also, the loan platform is formal.

According to China's relevant regulations, legal lending requires a consumer finance license approved by the China Banking Regulatory Commission to qualify for private lending.

Huanbai is a microfinance service platform under Jihe Technology and holds a consumer finance license issued by China Banking Regulatory Commission. In other words, Huanbai, under the banner of Jihe Technology, is qualified for private lending and is indeed a legal lending platform.

The minimum annual repayment interest rate is 9. 13% and the maximum is 24%. The benchmark for central bank loans is: 3.85% for one year and 4.65% for five years. The repayment period of the loan is no longer than five years, so we calculate it according to the one-year benchmark interest rate, so the repayment interest is within the legal range.

The above content is for reference only, don't take risks, choose carefully!

Before, I also needed business turnover. I have used several products. The first application is Xiaoman Huayou (formerly Baidu Finance), which supports 20W at the highest. The interest rate is very low (minimum annualized 7.2%), which is still relatively low. All of them are put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Spend a little money-pay special attention to money.

1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.

2. At present, it is best to withdraw cash. If the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process. At least 60% is safer.

Anyway, if Baidu Gold is not used for several months, you can choose to settle it in advance. As long as you can afford the interest, we don't have to pay anything. Please be sure to mention it first.

My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

Apply for 360. After filling in the information, the quota is only a basic quota, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass and the quota will be greatly increased. The privileged loan supports 24 periods. My basic limit is 9, 5.5W after the loan.

The third is that Pink can borrow 500,000! 0 mortgage, 0 guarantee: the average income is more than 4000 yuan, and you can apply without any guarantee (provident fund, mortgage, insurance policy).

Ping An Xin Yi Dai Click Online Measurement

Third, which lending platform is easy to borrow money?

It is suggested to apply for a loan through formal banking channels, which can better protect your personal interests and information security. If you must borrow from the online platform, it is recommended to choose the following: 1. Qianhuahua: Qianhuahua is a big brand of small-sum full credit service. Pure online application, no mortgage, simple application materials, the fastest approval in 30 seconds, the fastest loan in three minutes, the highest 200 thousand, and the daily interest rate as low as 0.02%. 2, ant borrowing: Ant borrowing is a loan service launched by Alipay, and the application threshold is sesame score of 600 or more. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the lowest monthly interest rate is 0.45% and the highest is 1.8%, which can be repaid with the loan. 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.