As long as the income is stable and the credit is good, you can apply for a loan. At present, there are many institutions providing unsecured loans in the market, and the application threshold requirements of different types of lending institutions are quite different, and the interest rates are also very different. Generally speaking, the interest rate of bank loans is low, but the conditions are harsh. In addition to requiring the borrower to have a good credit with an upper-middle income level, it must also provide a number of certificates; Other lending institutions generally have large fluctuations in loan interest rates, and some interest rates are even several times that of banks; Generally speaking, the loan interest rate is determined by the qualifications provided by the borrower.

Second, housing mortgage loan.

Housing mortgage loan is suitable for people who have a house and will definitely repay the loan in the near future. Compared with unsecured loans, the interest rate of mortgage loans is lower, and even banks have lower requirements for borrowers with mortgage loans in terms of income level and payment form. However, due to the loan links such as evaluation and mortgage procedures, the mortgage loan slows down the loan speed, and it takes a long time to apply for a loan. Therefore, the borrower needs to consider the choice according to his own situation when applying.

Third, credit card installment payment.

Spending in advance has been accepted by more and more people, and credit cards must be familiar to most young friends. Reasonable use of credit cards in life can really bring a lot of convenience to our lives. Nowadays, many banks have specially launched tourism-themed credit cards, which can not only travel by stages, but also avoid the currency conversion problem of going abroad for consumption, shopping and accommodation. The fly in the ointment is that the amount of micro-credit cards generally does not exceed 50 thousand.

Fourth, online lending.

Online lending, an emerging model of Internet finance, has developed rapidly in China in the past two years. The emergence of online lending makes up for the deficiency of traditional finance, and breaks the information asymmetry by using Internet technology, which enables investors and borrowers to connect quickly and complete lending completely through the Internet. At the same time, more characteristic platforms that meet the market demand and China's national conditions are derived. For example, the financial information service platform of Huifubao in Tianjin is different from other platforms. Huifubao adopts the mode that investors independently publish loan information, and borrowers can register and apply for loans on the platform as long as they meet the basic conditions. The process is simple and fast. Generally, you can get all the funds in 1-7 days, and the trip to Spring Festival travel rush will not be delayed at all.