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What loans do individuals have?
Which platform is good for personal loans?

Top ten loan platforms, which are the best loan platforms:

1. Alipay-Ant Borrow

Ant Borrowing is a loan product of Alibaba, which is used for personal consumption. Borrowing money on bail pending trial can be repaid with the loan, and there is no penalty for prepayment. It's easy to use, and the loan is quick. One second to Alipay, the daily interest rate is between 1.5-6.5. The initial interest rate is high, so it is used much, the repayment is timely, there is no overdue record, and the interest rate will gradually decrease. As long as the sesame score is above 600, Alipay uses more.

2. WeChat-Microfinance

Micro-loan is a loan product of Weizhong Bank. It is very convenient to apply on wechat. After entering WeChat, click "My"-"Pay" to see the entrance of micro-loan. Micro-loans will give a certain credit line according to the comprehensive qualifications of users, and interest will be calculated on a daily basis. You can also use the average capital repayment method to repay from the bank card every month.

3, Baidu-money to spend

Money is a personal consumption loan product owned by Du Xiaoman (formerly Baidu Finance). You can apply online without mortgage, complete the approval in 30 seconds at the earliest, and lend money in 3 minutes at the earliest. The loan can be repaid in advance with a maximum amount of 200,000 yuan and a minimum daily interest rate of 0.02%.

4. Suning-willful loan

The interest-free period for willful new users is not short. The longest interest-free period is 30 days, and the lowest daily interest rate is 0.02%. You can repay the loan in advance, up to 300 thousand. Online application will be automatically approved by the system, and it will take up to 3 minutes to arrive. There is no charge for the unused quantity.

The above contents are for reference only and do not contain any loan suggestions. Online lending is risky, so choose carefully!

Where can I get a loan?

Hello, ICBC.

1, Industrial and Commercial Bank of China

ICBC's personal comprehensive consumption loan has a wide range of consumption purposes, a high loan amount and a long loan period.

2. China Merchants Bank

Credit loans of China Merchants Bank can be issued by stages according to customers' needs, and the sum of each loan amount does not exceed the approved loan amount. Each loan has the same loan term and repayment method.

3. China Construction Bank

CCB has a high loan amount, a wide range of consumer uses and a low loan interest rate. The fast e-loan launched by CCB has an interest rate of around 7.6%.

4. Industrial Bank

The longest credit period of the comprehensive personal consumption line of Industrial Bank can reach 10 year. During the credit period, the line is reused, and the used line can be recovered after the loan is repaid.

Extended data

Matters needing attention in loan are as follows:

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.