Bank is an authoritative financial institution in China, which is directly supervised by CBRC and influenced by policies. General bank loans have low interest rates, high quotas and relatively low borrowing costs. So what loan products do banks have? Now there are the following kinds of common loans, you can choose according to your own needs.

1, decoration loan

At present, the cost of decoration ranges from tens of thousands to hundreds of thousands, and it is difficult for ordinary people to take it out at one time after buying a house. Therefore, major banks have taken out renovation loans, such as China Bank, Industrial and Commercial Bank of China, China Construction Bank and Jiangsu Bank. You can go to the nearby outlets for consultation.

2. Wage loan

Basically, every bank has loans suitable for office workers, and high-quality enterprises such as state-owned enterprises, Fortune 500 companies, listed companies, civil servants, teachers and doctors are easier to approve and lend faster.

3. Insurance policy loans

Existing insurance policies. The amount of such loans depends on the effective year of the policy and the annual payment amount of the policy.

4. Owner's loan

If you have a real estate in your name, you can apply for this kind of loan. Whether you buy a house in full or a house with a mortgage loan, you can apply for a personal micro-credit loan through the owner's loan.

5. Industrial and commercial loans

It is a credit loan product specially designed for small and micro enterprises and individual industrial and commercial households to solve short-term and medium-term operations, daily payment settlement and financial management.

6. Owner's loan

Owner's loan includes the owner of a full car or a mortgage car, who can apply for a consumer loan through banks and consumer finance institutions.

7. Risk loans

Venture loan refers to a small credit loan which is different from the current consumer loan and is used to meet the needs of individual entrepreneurs in urban and rural areas.

What are the consumer loan products of banks?

In life, we may encounter financial problems. Some friends are reluctant to borrow money from their friends, so it is a better way to consider applying for a loan. We know that it is convenient to apply for a credit loan, but the amount is relatively low and the expected annualized interest rate is relatively high. If you apply for a personal consumption loan, the amount you apply for will be correspondingly higher. So, what are the consumer loan products of banks? Next, let's look at the consumer loan products of several banks.

It is understood that bank consumer loan products are mostly aimed at white-collar workers and wage earners.

(1) Agricultural Bank of China-Wage and loan guarantee

The borrower does not need to provide any collateral as a guarantee to apply for the wage insurance loan of Agricultural Bank of China. If the qualification is up to standard, the maximum loan amount can reach 300,000.

The wage guarantee loan of Agricultural Bank of China is mainly aimed at the eligible working class of Agricultural Bank of China, but the borrower must meet the following two basic conditions:

1. The borrower has continuously paid the provident fund at the place where the loan bank is located for more than one year;

2. The borrower has a stable job and income.

(2) China Everbright Bank-Easy Loan for White Collars

As can be seen between the lines, Everbright Bank's white-collar easy loans are mainly aimed at white-collar workers. The borrower's application conditions are relatively loose. The borrower works in an enterprise or institution admitted by China Everbright Bank. Age between 30-55 years old, good credit record, and both husband and wife have real estate.

Everbright Bank's white-collar easy loan amount can be up to one million, and the term can be up to five years.

(3) Guangfa Bank-Self-confidence and one loan

The borrower does not need to provide collateral. With complete information, he can get a loan as soon as possible, and the maximum loan amount can reach 3 million.

(4) Minsheng Bank-Gong Xi Loan

The conditions for applying for Minsheng Bank's corporate loan are relatively simple. The borrower needs to continuously deposit the provident fund for more than one year, and the monthly deposit amount is more than 500 yuan. However, the loan amount will be determined according to the borrower's monthly deposit, credit and income.

What are the bank credit loans? These banks are all good!

In the financial industry, bank loans are the first choice for everyone because of their high security, low interest and various types. What are the bank credit loans? Everyone should pay attention to these products at ordinary times, which can help a lot when money is urgently needed. Take stock of some good bank loan products today.

1, quick loan from CCB

China Construction Bank's personal consumption loan is suitable for different users' needs, with a maximum amount of 5 million, extremely low interest, one-year repayment of principal and interest, and relatively little repayment pressure. Whether it is batch or collection, the speed is very fast. Interested users can learn about it.

2. ICBC Financial Electronic Loan

China Industrial and Commercial Bank is a state-owned bank. Its e-loan is a pure credit mobile phone loan with a maximum loan of several hundred thousand. The daily interest calculation method is adopted, which supports borrowing and returning, and the card is flexible. As long as you have a deposit in ICBC, investment and wealth management or a mortgage, and your personal credit is good, you can apply successfully.

3. China Merchants Bank E invites loans

A small partner with a China Merchants Bank credit card can apply for this loan if conditions are good. The examination and approval speed is very fast, which is very suitable for users who need money urgently. The amount they can apply for is between 20,000 and 300,000 yuan. How much they can apply for depends on the applicant's qualification and credit.

4. Bank of Communications enjoys loans.

The loan amount is as high as 1.5 million, and the longest service period is 2 years. The monthly handling fee is specially for eligible cardholders. If you receive an invitation message, you can log in to Bank of Communications Mobile Banking to apply, with a high success rate.

To sum up, bank loan is a good choice. If people are short of money, they can be used for temporary turnover, but they must repay on time, otherwise there will be adverse consequences.

What are the types of bank loans?

Personal bank loans can be roughly divided into the following categories:

1, according to the different purposes of personal loans, it can be divided into personal housing loans, car loans, study abroad loans, student loans, personal consumption loans, personal business loans and so on.

2. According to the different ways of personal loan guarantee, it can be divided into credit loan and secured loan, and the latter includes secured loan and mortgage loan.

3. According to the different repayment methods of personal loans, it can be divided into installment loans and one-time loans. The former includes average principal, equal principal and interest, installment principal, equal incremental principal, equal decreasing principal and combined repayment.

4. According to the different periods of personal loans, it can be divided into short-term, medium-term and long-term loans. Short-term loans are within 1 year (inclusive), and medium-term loans are within 1 to 5 years (inclusive); Long-term loans are generally more than 5 years, mostly 20 to 30 years.

What are the products of bank loans?

ICBC: Happiness Express-personal car consumption loans, happiness career-personal business loans, direct customer-personal housing loans, personal credit loans, personal mortgage loans, personal self-built housing loans and so on.

Agricultural Bank of China: personal car loans, personal production and operation loans, personal comprehensive consumption loans, general student loans, individuals, etc.

Bank of China: personal entrusted loan business, personal investment and business loans, personal consumption car loans, personal first-hand and second-hand housing loans, personal commercial housing loans and so on.

China Construction Bank: fast loans for small businesses, personal homepage loans, small secured loans for laid-off workers, personal business loans, personal car loans, personal commercial housing loans, personal provident fund loans and so on.

Long-term loans, also known as long-term loans, refer to all kinds of loans that enterprises borrow from banks or other financial institutions for a period of more than one year (excluding one year) or with an operating cycle of more than one year.

There are generally two ways for enterprises to borrow long-term loans: one is to deposit the loans in the bank and withdraw them at any time under the supervision of the bank; Second, a loan line is approved by the bank, and you can borrow as needed within the line. In this way, the money borrowed by the enterprise within the limit is directly credited to accounts such as "construction in progress" and "fixed assets" according to its purpose.

There are also different ways to repay long-term loans of enterprises: they can repay the principal by installments; Can also be a one-time debt service; You can also repay the principal and interest in installments.

What are the bank credit loan products? Take stock of some common ones!

Many people will choose to go to the bank for loans when they need money badly. After all, it is safer and the interest is low. So what are the common bank credit loans on the market now? In fact, many banks can handle mobile phones, and today we will take stock of some.

1, Agricultural Bank

Online loan: a well-known mobile phone credit loan can be handled through ABC pocket bank. The application threshold is relatively low, only the application age is 18 to 60 years old, and the personal credit record is good. The loan interest rate of NetJet Loan is 6%, and the loan time is 1 month to 60 months. The minimum loan amount is 6.5438+0 million, and the maximum loan amount is 3 million.

2. Industrial and Commercial Bank of China

E-loan: the applicant should be 18 to 65 years old, have a stable income and work, and have good personal credit information. The application amount is the lowest in 600 yuan, and the highest is 800,000 yuan, with interest of one ten thousandth per day. It is a pure credit unsecured loan product. The loan term can be up to 5 years, with the interest rate of 5.22% for one year and 5.7% for more than one year.

3. Bank of China

Wage loan: a small credit loan suitable for office workers, mainly providing personal revolving credit loans. The maximum loan amount is 500,000, which is generally 2 to 3 times the annual income. The loan term is generally one year, and the longest is three years. The loan amount can be used for home improvement, car purchase, education and medical care.

4. China Construction Bank

CCB's fast loans include fast e-loans, financing e-loans, pledge loans, car e-loans, Wo e-loans and other products. Mobile phone credit loan generally refers to fast e-loan, and the application amount varies from 1 0,000-300,000. Loans can be repaid with the loan, and the term is generally one year. During this period, the loan can be recycled and the interest is relatively low, so it is very cost-effective when it comes to activities.