superiority
① High quota
If it is a small loan, then all lending institutions are similar. Even ant flower buds or micro-loans can provide 200,000-300,000 loans. However, if it is a large loan of more than 6,543.8+0,000 yuan, I am afraid I can only find a bank, because most other lending institutions have quota restrictions except banks.
② Low interest rate.
In addition to the loan amount that people care about, the rest is the interest rate. After all, interest rates are directly related to the pressure of repayment. Compared with other loan products, the interest rate of banks is relatively low.
③ The loan term is long.
The loan period given by general lending institutions is mostly between five and ten years, while the time for bank loans is generally longer. Taking mortgage as an example, the longest loan period can reach 30 years, which is unmatched by other loan products.
④ Low risk.
Everyone wants to choose a stable platform when choosing a loan. Based on this consideration, banks can be said to have the lowest risk. Compared with other P2P platforms, bank loans generally do not appear this situation. Both the interest rate and the handling fee of bank loans are transparent and the risk of being cheated is low.
⑤ The source of funds is stable.
Compared with other lending platforms, the bank's financial strength and sources of funds are more stable. Other platforms may have the risk of not lending, but they don't exist in banks.
disadvantaged
① The application threshold is high.
The threshold for applying for bank loans is high, and the requirements for borrowers are relatively high. Usually, a large number of application materials need to be submitted when applying. The bank will comprehensively review the borrower's credit status, financial status, income level and debt level. As long as one item is not up to standard, it will be difficult to apply for a loan smoothly.
② Slow lending
The bank loan process is complex, there are many approval materials, and the approval time is generally long. Generally speaking, it takes about half a month for a bank loan to be applied for and lent, and the lending efficiency of different banks is different.