1, WeChat micro-loan
The daily interest rate of WeChat micro-loan is 0.05%, and the annual interest rate is 18.25%. The repayment method is equal principal repayment, and the repayment period is flexible. There are three options: 5 months, 10 months and 20 months. If you want to repay in advance, it is also free of liquidated damages. It is very important that the amount of small loans is between 5 million and 300 thousand. Everyone has a different loan amount according to their own conditions. 20 thousand loan, see if your own conditions are met.
2. Bank credit loans
The credit loan amount of a bank depends on individual circumstances. You can't know exactly how much you can borrow, but the loan amount of a general commercial bank is between10-300,000. The specific interest rate level is subject to the approval of the bank counter, and the loan of 20,000 can be completely solved.
3. China Merchants Bank E invites loans
The application method of China Merchants Bank E is simple. There is no need to agree on the loan period when applying, and only the minimum amount needs to be repaid every month. China Merchants Bank E can borrow up to 300,000 yuan, and the daily interest rate of China Merchants Bank E is 0.04%.
4. Cash installment
Credit cards have cash installment business, which is generally not recommended and the handling fee is relatively high. The installment interest rate of 12 is 0.75%, and the corresponding annual interest rate is 17.68%. It is divided into three installments with the interest rate of 0.95% for each installment and the corresponding annual interest rate of 19.27%. Once the application is submitted, it cannot be cancelled. No matter when the repayment is made, the handling fee and interest cannot be less.
5. Sorry
I have to mention borrowing money. The threshold for applying for borrowing money is more than 600 sesame points. According to different scores, the loan amount that users can apply for ranges from 1000 to 50,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
The above is an introduction to Bian Xiao. Everyone's loan qualification is different, so everyone's loan amount is different, but the loan amount of several channels can reach 20 thousand yuan, and emergency is enough.
How to borrow 20,000 yuan from the bank?
It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to the mobile banking and click "My → All → Loan → Lightning Loan" to apply for lightning loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.