Personal advice:

It is worth mentioning that this is the interest rate for six months to one year, which is 4.75% for one year to five years and 4.9% for more than five years. The loan interest rate should be determined according to the type of loan business we apply for. I hope everyone knows the relevant knowledge. Only in this way can we better protect our property from loss. Before handling the loan business, you must bring relevant documents and understand the corresponding rules. Only in this way can we ensure the normal handling of loan business. The problem is that the loan business also needs timely repayment. If it is overdue, it will also have a great negative impact on our personal life.

Extended data:

Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.

Generally speaking, to apply for a personal loan, you need to meet the following conditions:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.