Many friends are in urgent need, and want to borrow long-term large loans to solve the financial problem while making their repayment pressure less. However, there are still few channels to provide large long-term loans. Here are four products for everyone, and friends in need can come and have a look.
1, Ping An Consumer Loan
Ping An Pratt & Whitney has a long-term large credit loan with a maximum amount of 300,000 and a maximum loan period of 3 years. The threshold is relatively low. The borrower is 23-55 years old. He can apply for a loan after providing his valid ID card and real-name registration system mobile phone number. The loan can arrive on the same day at the earliest.
2. Safe little orange blossom
Ping An Consumer Finance has a large credit loan with a maximum loan amount of 200,000, a maximum loan period of 24 months and a relatively long term. It is open to users who are 22-45 years old, college or above and have stable jobs. The loan interest rate is as low as the whole consumption scene, which is suitable for long-term use.
3. Recruit good loans
The pure credit loan under Zhaolian Finance is also a large-sum long-term loan product, with a maximum amount of 200,000 yuan and the longest repayment in 36 installments. The daily interest rate is the lowest, and it can be repaid on a daily basis. 18-50 years old, with a stable job, sesame score of more than 600, good credit and relatively easy to pass.
4. China Merchants Bank lightning loan
China Merchants Bank has a large credit loan product, with a maximum amount of 300,000 and a maximum loan period of two years. Borrowers can apply for loans through China Merchants Bank's mobile banking, and they can get them on the same day at the earliest, but not more than three days at the latest. If you have a CMB credit card, it's easier with good credit.
What are the large loans for 36 periods? Share it with you who need money badly.
For friends who are in urgent need of money, if they can get a loan with high amount and long installment period, they can not only meet their own needs, but also reduce the repayment pressure. However, there are still relatively few large loans that can be divided into 36 periods. Here are three kinds of loans, including online loans and bank loans.
What are the large loans for 36 periods?
1. Ping An Consumer Loan: It is a typical long-term large loan product. The maximum loan amount is 300,000, and the loan period is 36 months at the longest, so the threshold is relatively low. Borrowers aged 23-55 can borrow if they provide their valid ID card and registered mobile phone number in real-name registration system, and their monthly stable income is above 3,000 yuan. If it is a mortgage, car owner or life insurance customer, the pass rate is relatively high.
2. Free payment in Suning: pure credit card consumption loan, the amount can only be used for consumption and cannot be withdrawn. It is also a large loan product that can be divided into 36 phases, with a maximum amount of 200,000 and a maximum term of 5 years. The borrower is required to be at least 18~55 years old, have a stable income source and no bad credit record, and can pay when shopping after obtaining the quota, and enjoy the interest-free period of up to 45 days.
3. Gome Easy Card: It is also a consumer installment product, and the amount can only be used for shopping in Gome Mall. The maximum amount is 6,543,800 yuan+0.5 million yuan, and the longest loan period is 36 months. The daily interest rate and monthly interest rate require the borrower to be at least 654.38+0.8 ~ 45 years old, with good credit information and a stable income source.
4. CITIC New Express: A large loan issued in the form of a credit card, that is, an exclusive installment business, with a maximum amount of 300,000, a maximum loan period of 36 months, and monthly repayment. The monthly handling fee varies according to the borrower's credit status. It is required that there is a CITIC credit card under the name, no bad credit information, and the credit card status is normal.
Which is better for a large loan?
The top ten conscience lending platforms are:
1.JD.COM Gold bars:
JD.COM Gold Bar is a cash loan service provided by Jingdong Finance. You can borrow money by binding stored-value cards and credit cards, without mortgage, and the maximum withdrawal amount is 200,000.
2. Borrow (credit loan):
Lending treasure (credit loan) is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas, up to 300,000.
3.360 IOUs:
360 IOU is a consumer credit brand under 360 Digital Group, with a maximum loan amount of 200,000. You will have the opportunity to apply between the ages of 23 and 55.
4. Didi Loan:
Didi Loan is a loan service launched by Didi Finance, which adopts a pure credit loan model with a maximum amount of 300,000.
5. Comfortable flowers:
Anyihua is a consumer loan product immediately launched by consumer finance, providing users with a maximum credit line of 200,000.
6. Long-term loans:
Good-term loan is a credit consumption loan launched by Zhaolian Finance, with a maximum amount of 200,000.
7. Stage music:
Staging music is a stage platform for music consumption, with a maximum loan of 200 thousand.
8. White Cat Loan:
White Cat Loan is a credit product of small loans in Du Zhi, with a maximum amount of 5 million.
9. Flower Duck borrows money:
You can get up to 200 thousand, and you can get a loan by providing your ID card and bank card.
10. Withdrawal and consumption:
Tiqianhua is a loan product of Zhongyuan Consumer Finance, with a maximum loan amount of 200,000 yuan.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.