In fact, there is no need to worry about the safety of bank loans, because they are all approved by the China Banking Regulatory Commission. Borrowers mainly look at bank loan interest. Different types of bank loan products and different qualifications of borrowers give different interest rates. If the borrower has no assets, you can consider the following low-interest bank credit loans.
1, e-loan for industrial and commercial finance
China Industrial and Commercial Bank, one of the four state-owned banks, has launched this kind of electronic loan with very low interest rate. Many people can borrow for two years at an annualized interest rate of less than 5%. Eligible borrowers can apply by themselves through mobile banking and other channels, with a maximum amount of 200,000.
2. China Merchants Bank lightning loan
China Merchants Bank launched a large unsecured credit loan with low interest rate, with a maximum amount of 300,000 yuan and a minimum daily interest rate of 0.0 18%. Borrowers who hold a one-card savings card of China Merchants Bank, are over 23-60 years old, have stable repayment ability and good credit can apply.
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. Qianhua-All Easy Loan, with a maximum loan amount of 200,000 yuan (small all Easy Loan (second batch)). Click online measurement.
), the daily interest rate is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.