Which bank is good for loans

ICBC is good.

1. Industrial and Commercial Bank of China

ICBC's comprehensive personal consumption loans have relatively wide range of consumption uses, higher loan amounts and longer loan terms.

2. China Merchants Bank

Chinese Merchants Bank’s credit loans can be issued in installments according to customer needs. The sum of the amount of each loan shall not exceed the approved loan amount. The loan period of each loan shall not exceed the approved loan amount. Same, the repayment method is the same.

3. China Construction Bank

China Construction Bank has a high loan limit, a wide range of consumer uses, and low loan interest rates. The interest rate of the quick e-loan launched by China Construction Bank is around 7.6.

4. Industrial Bank

The credit period of Industrial Bank’s personal comprehensive consumption limit can be up to 10 years. The quota can be used repeatedly within the credit period, and the used quota can be restored after the loan is repaid.

Extended information

Things to note when applying for a loan are as follows:

1. The information provided to the bank must be true, and the address and contact information provided must be accurate. The bank must be notified in time;

2. The purpose of the loan must be legal and compliant, and the transaction background must be true;

3. Choose one that suits you based on your repayment ability and future income expectations. Repayment method;

4. When applying for a loan amount, you must act within your ability. Usually, the monthly repayment amount should not exceed 50% of the total household income;

5. Read the terms of the contract carefully and understand yourself rights and obligations;

6. Repay on time to avoid bad credit records;

7. Do not lose the loan contract and IOU. For mortgage loans, do not lose money after paying off the loan. Forgot to cancel the mortgage registration;

8. Early repayment must be communicated with the bank one month in advance before it can be processed.

9. When applying for commercial loans to foreigners, banks generally require borrowers to have a stable income in the local area and to go to the place of residence to issue a household registration certificate (some banks also require an office certificate), while house purchase guarantees The company's requirement for foreigners is that they must have local income and apply for a temporary residence permit.

Baidu Encyclopedia--Which loan is the easiest to get via WeChat? Consider these 5!

; Because WeChat’s functions are becoming more and more complete, many people will consider using WeChat when applying for loans. Which WeChat loan is easiest to apply for? Here, we list some for everyone, for the reference of friends who need borrowers.

The easiest loans to apply for through WeChat are: Weilidai, 360 IOU, Wanda Puhui, Xiaoying Kadai and Anyihua. Their situation is as follows:

Weilidai If you can find the entrance to Weilidai to borrow money in your WeChat payment and obtain credit, it will be easy to apply for a loan. Everyone can directly apply for cash withdrawal within their Weilidai credit limit, and can repay in up to 20 months.

360 IOU 360 IOU is also one of the easiest WeChat platforms to get a loan, as long as everyone has a good personal credit record. The maximum credit limit for 360 IOUs is 200,000 yuan. It adopts fully automatic approval and supports repayment in 12 months. The daily interest rate is as low as 0.027.

Wanda Puhui Wanda Puhui is also a WeChat platform that makes it easy to apply for loans. The maximum loan limit is 50,000 yuan, and the loan can be completed in as fast as 3 minutes. The daily interest rate is as low as 0.05, and the entire application process is online.

Xiaoyingkadai Xiaoyingkadai is an easy-to-apply loan platform. The borrower only needs to provide ID card, bank card, mobile phone number, etc. The approval rate has always been high, and the disbursement speed is also high. Very fast.

Anyihua Anyihua is the easiest public account on WeChat to borrow money. The maximum loan amount is 200,000 yuan. The interest rate for borrowing 10,000 yuan per day is as low as 4.7 yuan. Financial loans are immediately provided by well-known consumer finance companies. . Which bank loans are good for personal loans?

Banks that are easy to apply for personal loans include: China Construction Bank, Industrial Bank, Agricultural Bank of China, China Merchants Bank, Industrial and Commercial Bank of China, Hua Xia Bank, etc.

As long as you meet the loan conditions, have sufficient repayment ability and good credit, submit the corresponding loan materials, and run the application according to the loan process, the probability of approval is relatively high.

Generally speaking, the materials required for personal loans from banks are as follows:

1. The applicant brings a valid ID card and household registration book;

2. Marital status Proof (if you are married, you need to provide your spouse’s valid ID card, household register and marriage certificate);

3. Proof of income (the applicant’s income certificate for six consecutive months or local tax certificate);

4. Collateral (the sum of the loan amount and interest during the loan period cannot exceed 1/2 of the assessed value of the collateral). Which loan is best for pure white households to apply for in 2021? Teach you a few tricks to increase your passing rate!

;? A pure white household has never applied for a loan or credit card. Apart from basic personal information, there is no credit record in the credit check, which cannot allow the lending institution to correctly judge its repayment ability and credit situation. The loan There will be a certain degree of difficulty. If you don’t want to be rejected, you have to put some effort into platform selection. So, which loan is best for pure white households to apply for in 2021? Today I will teach you some tips to increase your passing rate.

Which loan is best for pure white households to apply for in 2021? 1. First of all, you must choose the appropriate loan type, mainly based on your own credit conditions. 1. For example, if you have realizable and highly liquid assets in your name, such as houses, cars, etc., you can apply for a mortgage loan. The maximum loan you can get is 80% of the appraised value. If you have the ability to repay and have no serious bad records, you can apply for a mortgage loan. , the passing rate will be relatively high. 2. If you have no workers, no house, no car, no assets, just an ordinary office worker, and your only income is salary, it is recommended to apply for a credit loan. No mortgage guarantee is required, and you can apply directly online, which has the advantages of simple application and fast disbursement. 2. Secondly, you must choose a suitable loan platform and determine it based on credit conditions and market research. 1. If you are applying for a mortgage loan, it is recommended to first choose a bank or licensed financial institution loan. It is relatively formal and there are basically no tricks. The key is that the loan interest rate will not exceed the legal red line. In comparison, bank loan interest rates are the lowest. 2. If you are applying for a credit loan, give priority to licensed financial institutions. After all, bank loans without financial strength are not easy to approve, especially credit loans. According to borrower evaluations, 360 IOU, JD Gold Bar, Jiebei, and Youqianhua are relatively easy to apply for. These platforms all have a scoring mechanism. The better the big data of the borrower's platform, the easier it is to get a loan. The above is the relevant introduction of "Which loan is better for pure white households to apply for in 2021", I hope it will be helpful to everyone.