There are the following formal loan platforms:
1, bank loan
The annualized interest rate of loans issued by ordinary banks is around 8%- 18%, which will not happen. However, it should be noted that some companies are consumer finance companies or small loan companies invested by banks, and the interest rate will be relatively high, but the annualized interest rate will basically not exceed 24% stipulated by the state. Therefore, when applying for a loan, it is necessary to distinguish whether the lender is a bank, and bank loans are preferred.
If you apply for a loan in a bank, you can choose a loan that suits you according to your own situation. If the borrower needs a lot of money, has a house and a car under his name, and can't pay it off in a short time, he can choose a mortgage loan with high amount and low interest.
If the amount of funds required by the borrower is not high, it can be paid off in a short period of time and has a good reputation, and credit loans can be used with high speed and simple application process.
At the same time, if the borrower's demand is not high, he can also apply for a credit card to solve the urgent need.
2. Bank Consumer Finance Corporation
Compared with banks, consumer finance companies invested by banks have lower quotas and higher interest rates. These companies are also formal institutions, and the annualized interest rate is about 15%-24%. Compared with bank credit loans, consumer finance companies have the advantage of lower qualification requirements for borrowers and easier access to loans.
3. Loans from big platforms such as JD.COM and Alipay.
For example, JD.COM gold bars, Alipay's ant loan and online merchant loan are all formal online loans, with relatively high application amount and annual interest rate within 24%.
This kind of loan, even tens of thousands, will be reflected in the credit report. If you borrow it frequently, you will leave a record on the credit report. If you apply for a loan from the bank next time, the bank will think that you are short of money and your qualifications are not good, and you may refuse the loan. If there is a loan demand, try to choose bank products.
Second, what is a formal lending platform?
According to the level of qualification and interest rate, it can be roughly divided into the following categories:
First, the five major banks and the head joint-stock banks
Many people's stereotype of banks is loans, that is, they have nothing for their own use except credit cards. In fact, this state has become a thing of the past, and now banks have comprehensively enriched their product lines. So at present, no matter the five major banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications, or the major joint-stock banks such as China Merchants Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, Ping An Bank and Guangfa Bank, they all have their own apps, and they can already apply for credit loans in their own apps. However, after all, it is the head office, and the risk control requirements are relatively high, so the entry threshold is also relatively high.
Second, city commercial banks and private banks.
In addition to some head offices, many local banks now attach great importance to online lending. At the same time, due to the technical investment of these banks in online lending for many years, their online technology is also very developed. Well-known, such as some local city commercial banks, such as Bank of Beijing and Bank of Shanghai, and many private banks attach great importance to this business. Private banks are familiar with microfinance and online banking. This part of the online lending platform does not have such a high entry threshold requirement, but the interest rate is not as high as that of the people, and it can also be used as a good choice.
Third, the online lending platform of well-known brands.
If the threshold of the above banking department cannot be reached, then you can only choose some non-bank online lending platforms. However, as far as the pure online lending platform is concerned, there are many pits, and you need to be more cautious when choosing. It is best to choose an online lending platform under a well-known brand. Relatively speaking, the well-known brands in this respect are Bai Jie (under the Ant Group), Du Xiaoman (under Baidu) and JD.COM Gold Bar (under JD.COM). COM)。 Although these are not banking financial institutions, after all, their group brands are very good, so they are also relatively reliable brands.
abstract
There are many online lending platforms, but what platform to choose depends on your credit level. Online loans that can be applied for according to credit can be selected from five major banks, joint-stock banks, city commercial banks, private banks and small loan platforms under well-known brands.
3. Is installment payment a formal loan platform?
That is to say, it is a formal company in stages. That is, it is a consumer finance brand under Shenzhen Qianhai Fei Da Financial Services Co., Ltd. ..
2065438+July 2006 Shenzhen market engaged in economic information consultation, online trade and network products technology co., ltd.
You can use the massive user data accumulated in offline consumption scenarios to provide easy and convenient financial services for young fashion people with the technical advantages of big data risk control. After two years of development, staged music business has covered nearly 200 cities across the country, and it is an influential financial consumer brand. Mortgage loan, the cycle is generally one month. If there are more bank lenders, the application time may be delayed to one and a half months.
After the approval, I will call you to tell you when to go to the Housing Authority for mortgage registration. After the mortgage is completed, the bank will lend money to your receipt card within 2 working days. It is suggested to apply for a loan through formal channels: for example, Agricultural Bank of China, where online loan is defined as the assistance of Agricultural Bank of China in applying for a loan, quick receipt of the loan, and automatic loan review under specified conditions.
Application conditions
(1) basic conditions
Over 60 years of age, with China nationality and full capacity for civil conduct.
2. Possession is legal and effective.
3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported)
4. Good credit status,
5. There is no unexpired "NetJet Loan" quota, and there is no outstanding "NetJet Loan" balance.
6 stable income, with the ability to repay credit on schedule.
7. Loans
The loan amount for applying for NetJet is 30-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied and reviewed repeatedly.
As long as the loan is not received, you can apply to the bank for account cancellation. Go straight to suffering
If a bank applies for a loan, it is recommended to contact the account manager of the loan bank for confirmation, and it is not excluded that there are differences between banks in different places.
After you apply for a personal commercial loan in BOC, you need to approve the loan and complete the preconditions (such as mortgage registration) before you can lend money. Therefore, it is suggested that you directly contact the account manager who handles the loan to confirm the specific reasons for not lending, so as to deal with it as soon as possible.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
4. What are the better platforms on the Internet?
It is recommended that you choose formal channels to handle loans, such as bank channels;
If you apply for less than 50,000 yuan, you can log in to our mobile banking first, click My-All-Loan-I want to borrow money and try to apply through this interface, or you can log in to Pocket Life to apply for a credit card loan, depending on the audit results.