Introduction of the top ten bank loan products:

I. Industrial and Commercial Bank of China

Product name: Rong e-loan

Interest rate: the annual interest rate is about 7.2%, which can be lower when there are preferential activities.

Line: 600,000-800,000, which is basically equal to the credit card line.

Duration: generally 2 years, up to 5 years. Support four repayment methods: matching principal and interest, average capital, paying interest on schedule and paying principal and interest in one lump sum, and support early repayment.

Second, China Construction Bank.

Product name: quick and easy loan

Interest rate: about 6% per year.

Amount: up to 300,000 yuan.

Duration: 1 year. One-time repayment of principal and interest.

Evaluation: It is necessary to have business dealings with CCB before granting credit, mortgage, wealth management and provident fund.

Three. agricultural bank

Product Name: Online Loan Link

Interest rate: the annual interest rate is about 5%.

Amount: up to 300,000 yuan.

Duration: 1 year. One-time repayment of principal and interest.

Evaluation: The application threshold is relatively high, but there is also a chance to make a quota. Small partners who have business dealings with ABC can try it.

4. Shanghai Pudong Development Bank

Product name: integral loan

Interest rate: annualized 6.3%.

Amount: up to 300,000 yuan.

Duration: 5 years. For those who have lived for more than 1 year, they can only choose the repayment method of monthly average principal or equal principal and interest.

Evaluation: However, only provident fund loans can be used, and not all cities are open.

Verb (short for verb) Bank of China.

Product name: E loan

Interest rate: about 6% per year.

Amount: up to 300,000 yuan.

Duration: 1 year. Pay interest on a monthly basis and repay the principal when due.

Evaluation: State-owned banks are hot products with high application threshold.

6. China CITIC Bank

Product name: Yuanmengjin

Interest rate: 9% per annum.

Amount: up to 300,000 yuan.

Duration: up to 3 years. Monthly repayment, equal principal and interest.

Evaluation: The threshold is not high. The credit cards of CITIC Bank can basically be applied for, and some of them will occupy the credit card quota.

7. China CITIC Bank

Product name: New Express

Interest rate: normal annualization is about 9%, and it drops to about 6.8% during preferential activities.

Amount: up to 300,000 yuan.

Duration: up to 3 years. Monthly repayment, equal principal and interest.

Evaluation: Some will occupy the credit card limit.

8. China Everbright Bank

Product name: provident fund loan

Interest rate: about 6% per year.

Amount: up to 300,000 yuan.

Duration: up to 3 years. There are two repayment methods: matching principal and interest, and paying interest once a month.

Evaluation: To have a provident fund, not all cities are open.

Nine, the postal bank

Product name: mail your loan.

Interest rate: annualized 14%.

Amount: up to 200,000 yuan.

Duration: 2 years at most. Equal principal and interest.

X. China Merchants Bank

Product name: e-rental treasure

Interest rate: annualized 18%, with a daily interest of 5,000.

Amount: up to 300,000 yuan. The limit is not recoverable.

Duration: 2 years at most. Equal principal and interest.

Which bank can get a loan with a credit card? Bank credit card loan product introduction!

Nowadays, more and more people buy cars and houses, so there are not a few people who borrow money from banks. There are many ways to apply for a loan from a bank, and personal qualification is an important factor. In fact, a better way is to get a credit card loan. Generally, users who have handled credit cards in banks will find it easier to get loans. So which bank's credit card can lend money? Let's take a look at the credit card loan products of various banks. Let's have a look!

1, Bank of Communications

Credit card loan products of Bank of Communications mainly include privileged loans and angel loans, as follows:

Enjoy the loan: enjoy the minimum loan amount 1500 yuan, and the longest loan period can be 24 installments. After applying for the credit limit, you can withdraw it and use it, which is independent of the credit card limit.

Angel loan: Angel loan is equivalent to the extension of your credit card, and the goods purchased beyond 500 yuan will be automatically phased in. The limit can only be used for merchants to swipe their cards or shop online, and cannot be withdrawn.

2. China CITIC Bank

CITIC's loans include: quick easy loan, quick cash/dream loan and second-second loan.

New quick money/dream cash: quality customers will get a new quick money after 3-5 days, and the amount is not allowed. If it is not a quality customer, there is generally a new express line that is also shared with the dream.

The general credit card limit is 1 000 yuan, and it will take at least 6 months to issue the credit card limit. Customers with a credit card limit of about 30,000 yuan can issue the credit card limit within 2 months.

3. China Merchants Bank

The main loan products are: 300,000 investment reserve fund, 300,000 E loan, up to 6.5438+0.5 million car installment, 500,000 lightning loan and 300,000 expected by Zhaolian.

At present, there are basically many applicants for e-loans and good loans, and it is generally easier to make a quota. Friends who want to apply can apply for a loan directly on the website, or download software on their mobile phones to apply for e-loan and cash installment.

4. Guangfa Bank

Generally speaking, Guangfa Caizhi Fund can reach 3 to 5 times the original amount of the card, and the money of the Caizhi Fund can be directly transferred to the savings card, which can be recycled.

Under normal circumstances, as long as you have done staging, you must have financial resources. If not, then see if there is anything wrong with the card. It must be within the limit, overdue, preferably temporary. You can try to make financial contributions in stages.

5. Shanghai Pudong Development Bank

The loans of Shanghai Pudong Development Bank include: Puhong Loan, Shanghai Pudong Youth Loan, Shanghai Pudong Development Bank Bifujin and Shanghai Pudong Universal Fund.

There are many people applying for the universal fund of Shanghai Pudong Development Bank, and it is relatively easy to raise it. The maximum amount is 300,000, and basically a new card will be issued, which may occupy the original amount.

6. Huaxia Bank

Huaxia has a loan product called Yidajin, which will arrive on the same day as soon as possible. If you have Huaxia Bank credit card and are a quality customer, you can try it.

The maximum amount is up to 500,000 yuan, and the rate is monthly. Evaluate yourself. Seriously, there is no account management fee and no other extra expenses. It is more convenient to withdraw cash directly after application.

Here, I take stock of the credit card loan products of various banks, hoping to help you. Credit card loans can also be used when the credit card limit is insufficient or money is urgently needed. Choose the product that suits you and repay on time!

What are the credit card loans of China Merchants Bank?

There are many credit card loan products of China Merchants Bank, such as e-loan, car installment and so on, as well as installment shopping and cash advance.

1, e-loan, e-loan is a cash credit business provided by China Merchants Bank Credit Card Center for eligible cardholders. You can freely choose to repay at any time or in installments. This product can get cash by transfer without reservation and mortgage guarantee.

2. Shopping by installment, whether it is household appliances, digital products, department stores, fitness, wedding dresses, education and other large-scale consumption, you can use credit cards to pay by installment. At the same time, there are large online shopping malls such as Suning and Gome.

3. Platinum installment card. The maximum credit line of platinum installment card can reach 300,000 yuan. When the total consumption amount reaches 300 yuan or 2000 yuan, it will be automatically phased, and you can enjoy the exclusive preferential rate of Platinum Staging Card.

4. Cash in advance. Pre-borrowing cash is the basic function of China Merchants Bank's credit card, and cardholders can obtain funds by cash withdrawal or overdraft transfer. The handling fee for cash advance is 65,438+0% of the cash advance, and the minimum handling fee for each advance is 65,438+00 RMB.

5. Car installment. Car installment is the credit card car loan business of China Merchants Bank. Holders of China Merchants Bank credit cards can handle car installment business. Car staging requires at least 30% of the car price (the down payment of some models is as low as 20%).

Which banks have credit loans?

The following banks have credit loans: 1, ICBC's e-loan, 2, CCB's fast e-loan, 3, Agricultural Bank of China, 4 and Bank of China's payroll loan.

1, ICBC Rong e loan

Requirement 1: Handling the following businesses is conducive to obtaining the qualification to handle and frequently use ICBC credit cards with good credit, and handling the bank's deposits, wealth management, funds, precious metals, pensions, enterprise annuities and other businesses; Handle the personal housing mortgage loan business of our bank and make records; Become a payroll customer of our bank.

Requirement 2: Work in the business area where you work (where you pay the provident fund, taxes, social security, etc.). ).

Requirement 3: it cannot be used for buying houses or developing real estate projects; It shall not be used for investment, lending or arbitrage.

600 yuan-800,000 yuan; The mobile terminal can apply for a total amount of 300,000 yuan, and the repayment method for the excess part offline is equal principal/equal principal, and some customers can choose to repay the principal when it is due.

Loan term: 12/24/36.

2. China Construction Bank Fast Electronic Loan

Requirements: Individual CCB customers with good credit may get a line as long as they handle business in CCB (such as saving money, purchasing wealth management, national debt, funds, loans, paying wages on behalf of others). ), it will be automatically reviewed across the board and cannot be used for house purchase or real estate project development; It shall not be used for investment, lending or arbitrage.

3. ABC's online fast loan, requirements: ABC's personal housing loan customers, payroll customers, VIP customers, customers who pay housing provident fund on time in some areas, and other white list customers.

4. Bank of China, wage loan.

Requirements: Personal credit revolving loan is suitable for employees of enterprises and institutions with stable and sustained wage income (including but not limited to civil servants, employees of state-owned enterprises, full-time career establishment personnel (such as teachers and doctors), armed police and military officers and soldiers, etc.). ).

Credit loan refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.

Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks.

Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.

Please click to enter the picture description (maximum 18 words).

Which banks can use credit cards for loans? Look at these families.

Credit cards can not only overdraw consumption, but also provide loans. However, it does not mean to apply for a loan from a bank with a credit card as a voucher. On the contrary, many banks offer credit card hidden benefits to high-quality cardholders. After a comprehensive evaluation of the cardholder, an additional cash installment limit is given, within which you can apply for a loan. Let's have a look.

Which banks can use credit cards for loans?

1, Agricultural Bank

Agricultural Bank of China has a credit card consumption reserve fund, which refers to the business that the cardholder applies to the Agricultural Bank of China for installment quota, and after the approval of the Agricultural Bank of China is successful, the consumption funds are transferred to the designated credit card, and the cardholder repays the principal in installments and pays a certain amount of installment fee. The minimum amount for a single application is 500 yuan, and the maximum amount is 300,000.

If you want to use the credit card of Agricultural Bank of China to handle the consumer reserve fund, the cardholder must be the host of the personal credit card, and the account status is normal, the credit status is good, and there is no outstanding overdraft debt in local and foreign currencies.

2. Industrial Bank

Industrial Bank has a loan business, which can also be regarded as a credit card loan. It is a one-time cash consumption limit provided by Industrial Bank for high-quality credit card holders that exceeds the fixed credit card limit. The minimum amount is 1 000 yuan, and the maximum amount is said to be 300,000 yuan, which is mainly based on the comprehensive evaluation of the credit status of the cardholder.

The business model and standard pricing of Xiang Xing Loan are completely consistent with the cash installment business of Industrial Credit Card, but the credit line is different from that of credit card.

3. China Merchants Bank

E-loan is a good credit card loan of China Merchants Bank, and it also belongs to cash installment. It was also awarded by the bank after a comprehensive evaluation of high-quality cardholders. Within the credit limit, you can apply for a loan many times, transfer the money to your debit card and repay it in installments.

You should hurry up when applying for e-loan. If there are preferential activities, the monthly preferential range is about 0.45%~0.6%, and the longest loan period can be 24 months, which is suitable for office workers with long capital cycle.