If you haven't borrowed money before, it is actually a very troublesome thing to find a bank loan. Credit loans are almost impossible, provided that you have housing provident fund or real estate mortgage. And you have to provide bank cards, running water and work certificates. Off-topic, if you take out a small loan for the first time, you will find that the loan officer is lukewarm and impatient with you.
If you have a long-term loan business with the bank and your credit is excellent, it is very easy to get a bank loan, and those credit executives will call and say hello from time to time and invite you to tea or something. After all, they should also cultivate stable and high-quality loan customers. Then there are businessmen, some of whom run companies, with a lot of money in their accounts and good credit. Generally, bank loans are handled by hand.
If you have no business dealings with the bank except a bank card, it is not difficult for you to get a loan. But those online loans won't. As long as you have no problem with credit information, you can borrow anything from the online loan platform.
First, convenience; Second, I don't know if the bank has a loan that meets my application conditions; Third, do I have the conditions to apply for a bank loan?
First, let's take a look. Flower buds and borrowing buds are two borrowing functions in Alipay. According to the usage of different people, the amount is different. Ordinary people have thousands to tens of thousands of quotas, and business people have tens of thousands to hundreds of thousands of quotas. IOUs are one of JD.COM's lending functions, and the amount varies from person to person. Many people are familiar with micro-lending, which is a borrowing function in WeChat. As long as you use a lot of water on WeChat and use it high, the amount is basically hundreds of thousands. Ordinary is only tens of thousands.
The above products have a common feature, that is, the amount is small and the loan is convenient. Just open Alipay, JD.COM and WeChat, and you can click at any time. This function key can be received immediately, and the quantity is small.
I am a loan officer, and bank loans are more troublesome. Need to provide a series of information. If it is a real estate mortgage, there will be more information, and the customer's situation needs to be reviewed. In order to lend money to customers
There is no need to answer this question at all. What is a bank? This is a place where you can save money. Borrowing money is very powerful, so ordinary people should forget it. This proves that the secured loan may not be available because of the complicated procedures. Rich people are much more relaxed. So why do ordinary people choose the Internet instead of the bank? Do you think banks are really suitable for you? Don't be silly, son.
How high is the real interest rate of online loans such as flower beds, borrowing beds, white bars and micro-loans? The main reason for not looking for bank loans is that it is too troublesome and harsh for banks to apply for and approve loans, and it is also difficult for banks to approve loans. Flowers, loans, IOUs, micro-loans and credit cards can be easily applied for and used anytime and anywhere. Their convenience has led to the general small consumer loans not looking for banks.
Young people in the Internet age basically use credit cards and online consumer loan products such as flowers, loans, white bars and micro-loans, but many people don't know their real interest rates.
Take the well-known bank credit card installment as an example, many people will have a misunderstanding. In the case of tight funds, the repayment pressure of large commodities is greater, so we simply choose to repay by installments, but we don't know that installment repayment requires higher installment fees, which is the price we need to pay to ease the repayment pressure, and can also be understood as interest.
At present, the installment fee for credit cards is generally 0.07%, such as 1000 minutes 12 months repayment, so the monthly installment fee is 70 yuan, which is only the total fee for one year, and cannot be simply understood as the annualized interest rate of 840 10000 8.4%. Because we didn't get 10000 yuan to use for one year, but returned it in installments of 12, which is equivalent to using for half a year, then the annual interest rate needs to be multiplied by 2 to become 16.8%, which is much higher than the annual interest rate of other bank loans of 4%-6%.
So what are the interest rates of other Internet financial products? Let's briefly introduce several products on Alipay and WeChat that are commonly used at present, and make a simple comparison.
1, Ant Flower Bai: Similar to a credit card, the installment fee is similar to that of a credit card, so we'd better use its interest-free period.
2. Ant Borrowing: It is also an Internet financial lending service that exists on Alipay. Interest is calculated according to the actual days of use. The average daily interest rate is 0.02%-0.05%, but most users are above 0.04%. Even if calculated according to the common average of 0.045%, the annual interest rate is 0.045% 365 16.425%.
3. Micro-loan: This is a cash loan product launched by Tencent WeChat, similar to borrowing. The calculation method of interest is similar to borrowing, and even more users are 0.05%. According to this calculation, the annual interest rate can be as high as 18.25%.
4. Sweet potato: This is also the lending service on WeChat. It is the advantage of the Internet giant using the WeChat public platform, drawing on and optimizing the advantages and disadvantages of many similar lending services before. Although the interest rate still continues the daily interest rate of 0.02%-0.05%, it has been greatly optimized and improved in opening the threshold credit line. If you don't need an invitation, you can directly pay attention to the use. At present, there are no loans or micro-loans. In terms of credit line, it is generally higher than borrowing and micro-lending, so in recent years, it has caught many users of borrowing and micro-lending, and has become the first choice for users without borrowing and micro-lending.
5. White stripes: similar to flowers and credit cards, the installment fee is basically above 15%.
To sum up, whether it is the installment of flower buds credit card or the cash loan service of borrowing flower buds and micro-loans, we can really see the clue after converting the annualized interest rate. In contrast, at a glance, they are generally higher than bank loans. The biggest advantage of their popularity is that they are simple and quick to use, and do not need complicated application and review procedures like banks, so these services are destined to be used only for our short-term capital turnover, not for long-term loans. What do you think of this? Which financial instruments do you usually choose for short-term emergency use? Welcome to leave a message for discussion.
You think the bank belongs to your family, and you can borrow it if you say so?
Don't be simple, bank loans are for rich and powerful people! It is not ordinary people who can borrow money. Even if you meet all the requirements, it doesn't matter
A few years ago, in order to do business and want to borrow money, I found a lot of banks to trust me, but none of them were approved! He also said that someone should guarantee that the interest rate should be at least 9%, depending on his face.
Finally, as a last resort, I found an inclusive loan of 300,000 yuan, but this interest is really high, and there are other expenses. In the end, the business also failed, and all kinds of loans were robbing Peter to pay Paul, owing more than 500 thousand debts.
Even so, I still feel that people are spending money. These online loans are more humanized. After all, people are not very demanding. Convenient for people who really need funds.
If banks can lend, I don't think anyone will go to the online lending platform. In the final analysis, the bank threshold is too high and there are many hidden rules!
Consumption, loan, small loan and so on. These operations are simple. You can apply with your ID card in the platform, and the amount is quite high. Some can even reach hundreds of thousands. If you go to the bank for a loan, you need a lot of complicated procedures and a guarantor. The most important thing is that you haven't got the application yet. Some still need goods as collateral, and the application threshold is too high.
For example, Bai Hua didn't receive the credit report at first, so it won't affect the loan to buy a house and a car after quitting.
So smart people will choose to borrow flowers instead of going to the bank.
Above, I suggest not to overspend as much as possible. Otherwise, the most frequently asked questions on the platform are about loans overdue's non-repayment, how much you can use, and try not to borrow money unless there is an emergency.
Because they are a group, just like the original state-owned coal industry, did you go to the normal stock market? The scalper at the door said that adding 50 to each meal would give you a reason. To be a sheep, always think about what tigers, wolves and foxes think.
I don't want to. I failed.
First of all, why not go to the bank for a loan; There are two reasons: first, banks need to bring information to bank outlets to apply for loans; Audit, the bank verifies the applicant's credit information, assets, personal data and other information; Sign a loan contract with the lender after signing the contract and the bank has passed the examination; Loan issuance, the bank issues loans on schedule according to the loan contract. This is more complicated. The second is the loan platform, such as flowers and borrowing. , are relatively simple. After authorizing online credit reporting and face recognition, you can get the corresponding amount.