1. Entrepreneurship loans are essentially state welfare loans, so the loan interest rate is also relatively low, mainly divided into farmers' entrepreneurship loans, college students' entrepreneurship loans, and unemployed people's entrepreneurship loans. Some banks even support interest-free start-up loans. Generally speaking, the interest rate of venture loans is almost the same as the benchmark loan interest rate of banks, and there will be no higher fluctuation.
2. Decoration loan Decoration loan is one of the loan products with very high loan use restrictions. This kind of loan is usually characterized by clear loan use restrictions, low interest rate and long loan time. Similar to decoration loans, there are mortgages and car loans. For example, the lowest interest rate for the renovation loan of CCB can reach 3.85%.
3. Mortgage loan The interest rate of mortgage loan is relatively low among all loan products. Because the borrower wants to apply for a mortgage loan, he usually needs a large amount of collateral, which makes the risk of this loan less than other loans, so the bank is willing to give the borrower a lower interest rate.
4. Provident fund loans Among all loan products, the interest rate of provident fund loans is the lowest. All loans need to float on the basis of the central bank's LPR interest rate, while provident fund loans are individually customized interest rates, which are usually much lower than the LPR interest rate. The above is the related content sharing of "what loans are low interest except credit cards", hoping to help everyone!