In real life, many people will encounter the problem of funds. At this time, many people will think of loans and pay some interest to ease the situation of tight funds. So what kind of loan can you choose? Let me introduce some to you.
Alipay borrows money
Alipay is widely used in our life. When we are short of money, we can use Alipay to withdraw cash and transfer it directly to our Alipay account. However, we need to pay some interest. The loan amount and regret interest are based on our sesame credit score. The daily interest rate of borrowing is generally above four ten thousandths, so you must pay back the money in time after borrowing, which can save a lot of interest.
bank loan
If you need a lot of liquidity, you should consider bank loans at this time. Generally, more money is borrowed from bank loans, but in bank loans, mortgages are generally needed, such as real estate and cars. Only in this way can we get the loan smoothly. In bank loans, the standard interest rate is generally limited and there is a time limit. If the collateral can't be repaid in time, it will be auctioned, which needs attention.
petty loan
When seeking a loan, you can also consider a small loan, but its amount is generally relatively small, and there is no mortgage or guarantee when lending. It is very convenient to complete the loan in one minute at the earliest. Micro-loans can be repaid in advance without handling fees. At present, the credit line of micro-loan is between 5 million and 300 thousand, depending on the individual's comprehensive situation.
Institutional loan
When seeking a loan, you can find a third-party lending institution, whose approval conditions are relatively relaxed. The loan interest rate of third-party lending institutions is relatively high, far higher than the benchmark interest rate. I suggest that you only consider third-party lending institutions when you can't find other loan channels, and you must repay the money in time after borrowing, otherwise it will cause a lot of trouble.
credit card
When you encounter financial difficulties, you can give priority to using credit cards. If it is 10000 yuan or 20000 yuan, you just have such a credit card in your hand. You can consider using a credit card for turnover without paying interest. Just pay it back when it expires. However, we do not encourage the use of pos machines to cash out here. If the bank finds out, there will be the possibility of a card.
In fact, now that the network is so developed, it is still very easy for us to borrow money, but we can choose according to our actual situation when choosing the way, and we must shop around, so that the price paid when lending is the least.
How to get a quick loan in the bank?
The method of quickly applying for Yin Qin as a bank loan is as follows:
1. Credit history. Protecting suspects means that Xiaozao has a good credit record, which is undoubtedly a necessary prerequisite for obtaining loans quickly.
2. Professional attributes. Civil servants, lawyers, teachers, listed companies and employees of enterprises are all high-quality customers, which are easier to pass the examination and approval, and the loan amount will be higher than that of ordinary people.
3. Income level. Company tap water (which can be supplied by business owners) is better than personal tap water.
As long as you meet the above requirements, you can get a quick loan in the bank.
How to borrow money quickly?
When you are short of money, besides borrowing money from relatives and friends, the quickest way is to apply for a loan.
1. Credit card withdrawal is the quickest way to get credit card withdrawal. As long as there is a credit card limit, you can realize quick cash withdrawal. However, it should be noted that credit card withdrawal will not only have interest charges, but also have handling fees.
2. It is better to find a bank loan than a boring loan company. However, the speed of lending to the loan company will be slower than the old one, and certain conditions need to be met.
How to apply for a loan quickly?
The skill of getting a loan quickly: blind reconciliation
1. Maintain personal credit records: credit records are important tracking indicators that lenders should review when applying for loans, and credit quality will directly determine the results of loan applications, especially unsecured credit loans. Therefore, users should pay attention to maintaining a good credit record at ordinary times, which will help them to apply for loans quickly.
Second, provide proof materials. When applying for a loan, provide as many materials as possible to prove that you have good credit and strong repayment ability.
Third, choose the right loan platform. For example, if users often use various functions on Alipay and have a high sesame credit score, they will choose to borrow money from Alipay instead of JD.COM or other infrequently used platforms.
4. After submitting the loan application, you may receive a pre-loan investigation call from the lending institution. The loan applicant should actively cooperate with the examiner's questions and remain calm and honest, which can also help the applicant to get a loan faster.
Excuse me: how to borrow money faster?
If you want to apply for a loan, please choose the formal channel. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also 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 mobile banking and click "My → All → Loan → Flash Loan" to apply for flash 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:
Lending within (1) 15 minutes will be automatically approved within 5- 10 minutes, and the loan will be released immediately after Zuhu's approval, and the result will be notified by SMS.
(2)t 1 day loan. Within T 1 day, there will be a phone call from the nuclear power plant to verify and arrange the loan 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: Note 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.