The interest rate of personal consumption loans mainly depends on the loan interest rate and repayment method of various lending institutions. The loan interest rate generally fluctuates reasonably within the national benchmark interest rate set by the central bank. The benchmark loan interest rate set by the central bank this year is: 5.6% for six months; 6% a year; 1 ~ 3 years 6.15%; 3 ~ 5 years 6.4%; More than five years, 6.55%. However, in the actual process of handling loans, there are certain differences in loan interest rates. Taking China Agricultural Bank as an example, the interest rates of its various loan businesses are: personal consumption mortgage loan15 ~ 20%; Comprehensive credit loan10 ~ 20%; Capgemini loan 0.65% (month); 30% salary loan. Interest rates on personal consumption loans generally rose. These include car loans and house decoration loans. The interest rates of state-owned banks such as ICBC, Agricultural Bank of China, Bank of China and China Construction Bank generally rose by 10% to 15%, and most joint-stock banks rose by 20% to 30%. There is even news that the first home loan discount may be cancelled. As for the personal business loan interest rate, the floating rate will be even greater, reaching 30%-40%, while the personal credit consumption loan will rise to 50% on the basis of the benchmark interest rate.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Staging music can be borrowed up to 50 thousand!
Click online measurement