This general suggestion is to cash in with a credit card, use Alipay's flowers, borrow them, and so on. Used for loans, and the general interest rate is relatively low, easy to use.
2. Amount ≤ 10W:
The secured loan is good. Looking for a guarantor, maybe in my hometown rural credit cooperative. Credit companies require to work for more than half a year, or have a business license for one year, but the self-employed who just started can't get it.
3. Amount ≤50W
500 thousand, depending on how many years you want to pay back. It can be one year, two years, three years, five years. If there is collateral, it is recommended to apply for a mortgage loan, and the interest rate of the mortgage loan will be lower than that of the credit loan. According to the purpose of the loan, it can be regarded as a consumer loan, and the interest rate rises by more than 30% on the basis of the benchmark interest rate. Of course, if you have acquaintances, you can have fewer. The repayment method can be equal principal and interest, with monthly interest paid every year or at maturity. Banks generally like the repayment method of equal principal and interest. In view of the actual situation, it is recommended to apply for mortgage consumer loans, and the interest rate and repayment method can be negotiated with the bank.
4. Amount ≥100 w.
To tell the truth, at this point, you are usually related to the bank. You can get a loan by doing something. Because most people can't borrow this amount.
Beyond this amount, it is generally used for starting a business. It is recommended to pull investment. Startups don't give loans. Just to pull venture capital or angel funds.
If you have a stable job, I suggest you apply for a business loan. At present, the country has liberalized personal consumption loans, and many banks have this loan product, but banks like to be high-quality customers and entrust this microfinance product to some professional financial institutions, so most people don't know much about it. However, I would like to remind the landlord that if you have to charge a deposit/handling fee/loan interest before getting the loan, you should be careful. In fact, the country is now opening up personal consumption loans, and many banks have many personal loan products, but banks like to serve high-quality customers and entrust these personal loan products to some professional financial institutions, such as Easy Loan China. The specific steps and conditions of the loan are different for everyone. I suggest you don't go to the website to learn about the various loan products of major domestic banks at present, and then choose the products that suit you. This summary introduces various personal loan products of various banks in detail, including application conditions, interest rates, application quotas, etc. Then you can choose to go to the bank or apply directly online. Generally speaking, the specific loan interest rate is determined by many factors, such as the qualifications of the applicant, collateral and other guarantees, the nature of financial institutions and so on. ? Different applicants and loan types need to provide different application materials. Common personal data such as: identity certificate, work certificate, residence certificate, etc. Enterprise application materials, such as business license, financial statements, loan cards, etc. Financial proof of mortgage loans such as real estate and automobiles; Credit loans such as income certificate and bank card statement. ? At present, there are two ways to apply for loans, one is to directly borrow from banks or financial institutions, and the other is to directly borrow from websites entrusted by banks, such as Easy Loan China website. General website application steps: firstly, submit your personal information and materials to the website-the bank staff will receive your personal information and review it-the bank staff will contact you, ask about your situation and recommend the loan products suitable for you-and reach an understanding.
5. If you buy a house, you can use the housing provident fund loan.
1) The interest rate of housing provident fund loans is lower than that of commercial banks. The annual interest rate of provident fund loans for less than five years (including five years) is 4. 14%, the lowest for commercial banks is 5.427% for 1-3 years (including three years) and 5.508% for 3-5 years (including five years); The annual interest rate of housing provident fund loans for more than five years is 4.59%, and the minimum interest rate of personal housing loans of commercial banks is 5.75 1% in the same period.
2) The advantages of housing provident fund are as follows: 1. The procedure is very convenient. On the premise of bringing all the information, the borrower only needs to go to the provident fund loan undertaking bank 1 time to complete the loan application procedures; Second, the time is short, and it only takes 8 working days from the bank accepting the application to issuing the loan; Third, the interest rate is low. The current interest rate for purchasing the first set of housing loans for more than five years is 3.25%, which is 1.9 percentage points lower than the benchmark interest rate for housing loans of commercial banks; Fourth, the down payment is low, and employees' families can apply for provident fund loans with only a down payment of 20%; Five, tax credit, housing provident fund loan interest paid by employees, not included in the personal income tax taxable income of employees; 6. Easy repayment. The borrower can repay the loan principal and interest with his or her spouse's provident fund on a monthly basis, or use the balance of the provident fund account to offset part of the loan principal and interest in advance, thus reducing the repayment pressure.
People are often embarrassed to borrow money from relatives and friends when they need to turn around and have no cash around. According to a financial survey, about 50% people will choose to pay a certain interest to borrow money from financial institutions. The loan conditions and interest rates of each financial institution are different, so we also need to shop around when lending. So, which bank has the lowest loan interest rate? How to get the lowest loan interest? For friends who need this, it is one of the topics worthy of attention. If you still have questions about how to get the minimum loan interest, you might as well come with me to learn about the loan.
Alipay borrows money VS bank loan, which interest is lower?
It is understood that the daily interest rate of Alipay is 0.045%, the annual interest rate of 1000 is about 90 yuan, and the annual interest rate is 16.425%. At present, the benchmark interest rate of bank loans 1 year is 5.35%, which shows that the interest rate of Alipay is several times higher than that of bank loans! But if compared with the unsecured loans of banks, the interest rates of the two are almost the same. At present, the average annual interest rate of unsecured bank loans is 14.5%~20%.
Credit card withdrawal is based on the daily interest rate of 0.5 ‰, which is converted into the annual interest rate of 18%. Generally, only 2,000 yuan can be overdrawn in one day. In this way, the interest rate of Alipay is equivalent to 10% of the annual interest rate of credit cards.
Alipay's loan interest rate is not low, but the loan threshold is low. Users with sesame scores above 600 can apply for loan lines ranging from 1 1,000 to 50,000 yuan, which can be repaid with the loan.
There are no complicated procedures and complicated application materials like bank loans. Alipay can judge and check the user's credit rating only by relying on sesame credit score, and complete the loan in 3 seconds. In the eyes of many borrowers, higher interest rates are also worthwhile! It depends on how you choose ~
Which bank has the lowest loan interest?
If you want to pay low loan interest, then mortgage loan should undoubtedly be the first choice for homeowners. The reason is that the pricing system of banks and the risks they bear are complementary. Therefore, due to the existence of collateral, banks charge relatively little interest when the risks are basically controllable.
But specifically, there are still subtle differences in the charging standards and application thresholds of banks. Taking Beijing as an example, we searched for a one-year mortgage of 500,000 yuan on the Rong 360 loan search platform. The results show that the mortgage fees of ICBC, BOC and Bohai Bank are the most close to the people, with monthly interest rates of 0.49%, 0.5 1% and 0.54% respectively, only slightly rising on the basis of the benchmark interest rate.
Therefore, if you want to know which bank has the lowest loan interest, you can find out by searching. Therefore, price-sensitive borrowers may wish to follow this practice and find the most competitive bank in your city. Of course, I also want to remind you that it is good to have low loan interest, but it must be based on meeting the bank's application requirements, otherwise the loan will be rejected in nine cases out of ten.
Of course, if you can't get the real estate license, you can turn your attention to the unsecured loan market. If your personal qualifications are excellent enough, you can enjoy the "loan" experience comparable to mortgage without providing collateral. We used the same search method to find a low-interest unsecured loan product in Rong 360-Jiangsu Bank Jubao Card (by stages of consumption). The interest on a loan of 50,000 yuan 1 year is 3,000 yuan, which is not high in terms of application conditions. The punch card salary is only 3000 yuan, so you can use local social security. Of course, if you want to have more choices, you can search on the 360 loan search platform. In addition, if you want to save the loan cost as much as possible, you may wish to scroll the mouse and get more practical strategies from the "Extended Reading" section below.
Warm reminder:
1. When applying for a loan, the borrower makes a correct judgment on his repayment ability. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: equal repayment method and equal principal repayment method. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.
How to get the lowest loan interest?
Bank loan interest is as low as 5% 150%
Yang Zong said that Pinxin Finance is committed to building Chengdu's first financial service loan platform with low interest rate and rapid lending. With the green channel opened by Pinxin Finance, customers can withdraw money on the same day with the full amount and enjoy bank interest. According to the different requirements of banks, Pinxin Finance introduced a bank interest rate 20% lower than the same period according to the latest banking policy, and the bank loan interest rate was as low as 5%. There are various repayment schemes, such as borrowing and repaying, paying interest first, and repaying principal and interest when due. The service life is as high as 30 years, and the maximum magnification of residential shops is 150%. Moreover, the more loans, the higher the amount and the faster the lending. There are only three steps to successful loan: contacting Pinxin Finance, applying, and successfully lending money, making the loan as easy as shopping.
Mortgage, auto insurance and commercial insurance can also apply for loans.
"As long as you have a mortgaged house, a mortgaged car or commercial insurance, you can apply for a loan. Free of mortgage, timely approval, lending on the same day, and enjoying ultra-low bank interest. " Qin Luo, the business director, said that in actual business, individual customers can't get loans from banks normally because of problems such as credit investigation, collateral and repayment process. Pinxin Finance will design the best loan scheme among 35 banks according to the actual situation of customers. The green channel opened by Pinxin Finance can also handle low-interest bank loans by virtue of the contract house or vehicle registration certificate, and the mortgaged house can be transferred to the account as soon as possible.
Quick loan, bank interest, same-day withdrawal
If you have a full house, a full car, a contract house, a mortgage house (including houses, shops and office buildings) and a car loan guarantee to apply for a quick loan, you can get the money on the same day; Loans for enterprises and individuals bridge the bridge, with high quota, fast lending and flexible methods. In the financial hall of Pinxin, the author met Ms. Li who is engaged in foreign trade business. She faces a funding gap of 3 million yuan. Through a friend's introduction, Ms. Li dialed the Pinxin financial loan hotline: 86203336, and got a loan of 3 million yuan that afternoon. Through the on-the-spot investigation of Ms. Li's shop, Pinxin Finance added another loan of 6,543,800 yuan.
Buy a car and a house with a loan. Don't believe some advertisements for buying a car and a house with a zero interest rate loan in the market. After comprehensively calculating the cost, the cost of buying a car or a house with a zero-interest loan may be higher.