China Bank's consumer loan is still quite easy to use, and the loan threshold is relatively low. I used to borrow money when money was tight. I was going to go to the bank for a loan, but the loan period was a bit long. I am anxious to use money, and other online lending platforms are not at ease. Later, my friend recommended BOC Consumer Finance to me, saying that it is a company owned by Bank of China, and the loan is also fast. I took a loan with the mentality of trying, and the loan was really fast. I just paid the last payment last month.
Is consumer loan really cost-effective? Keep an eye on it!
With the rapid development of the financial industry, many people are used to relying on various credit cards and consumer loans to satisfy their shopping desires, and some problems will easily occur after a long time. Although there are more and more kinds of consumer loans, they are not as beautiful as they seem. If it is not well controlled, it will lead to some bad consequences.
First, the threshold for consumer loans is low.
Basically all banking financial institutions have a lot of consumer loans. This is because the property market policy has been tightened in recent years, and the mortgage profit is not as big as before. In order to develop customers and control the non-performing rate, joint-stock banks will start with individual loans. In order to complete the task, many banks will send text messages and call qualified customers to apply for loans.
Moreover, the bank has also upgraded consumer loans, which is not only more convenient to apply for loans, but also online for the whole process. As long as the conditions are met, the payment can be made immediately after the approval, so that it is more convenient for citizens to apply for loans.
Second, is consumer loan really cost-effective?
This is not entirely correct. In order to seize customer resources, many financial institutions will have some situations that are inconsistent with publicity. For example, they claim that the maximum loan amount is 1 12 million, and the actual per capita payment is tens of thousands or even thousands of yuan. You'd better consult the specific loan application conditions before applying.
In addition, the interest rate of consumer loans is generally higher than that of mortgage loans and pledge loans, so we should pay more attention to the way of repaying principal and interest. For some products that require a one-time payment of interest in the first month, the real interest rate is much higher than the nominal interest rate.
In short, the advantage of consumer loans is not high cost performance, but convenience and low application threshold, which is suitable for users who need short-term loans.
Use consumer loans with caution! It will ruin your personal credit.
Nowadays, young people usually take consumer loans from some financial institutions or banks if they encounter financial problems, such as insufficient consumption funds. Although everyone's consumption loan amount is different, some are only a few thousand, or even a little more will be tens of thousands, but the ultimate goal is the same, that is, to obtain enough consumption funds. However, do you really think that consumer loans can be applied anytime and anywhere? In fact, what I want to say is, please use consumer loans carefully, because it will ruin your personal credit.
First of all, let's understand what a consumer loan is. What we call consumer loans generally refers to loans that can be used to buy consumer goods or other expenses, including tourism, shopping, education and so on.
Personal credit reporting generally refers to the personal credit records obtained by legal credit reporting agencies through handling personal information according to law.
So, will consumer loans really ruin our personal credit information?
Consumer loans are actually similar to our common credit cards, and there are fixed consumption limits. Even this consumption limit can be used indefinitely. For example, after paying back the money, we can borrow it again, which is very convenient. But unlike our credit cards, every time we make a loan record on a consumer loan, it will be recorded in the personal credit information system of the Bank of Shangchuan Island.
Whether you borrow 5 million, 50 thousand, or even 1 gross, it will be fully recorded. Therefore, the return of consumer loan records will not only affect our future bank loan procedures, but also affect our purchase of real estate. For example, if we apply for a real estate mortgage loan, the bank will refuse our mortgage application for this reason. Therefore, we should use consumer loans carefully in our life, which is very useful for our personal credit investigation.
In fact, in my opinion, in daily life, we should arrange our own consumption expenditure reasonably, use consumer loans carefully and safeguard our personal credit information.
What are the benefits of spending with loans?
1. Interest-free overdraft limit for senior consumption.
When using a credit card for personal consumption loans, it is actually a credit-guaranteed loan. However, this kind of loan is also interest-free, that is, it is consumed within the overdraft limit, that is, the loan does not pay interest. Credit card personal consumption loan has a short loan period, only about 20 days to 30 days. During this period, there is no need to pay any interest for timely repayment after overdraft consumption.
Second, enjoy the preferential activities of merchants.
At present, banks have joined hands with many businesses such as shopping malls, restaurants and cinemas, and there are preferential activities for handling personal consumption loans with credit cards. It is very suitable to use the personal consumption loan of credit card for consumption. You can not only buy what you need, but also enjoy discounts or gifts. Moreover, you can get credit card points after using credit card personal consumption loans, and the points can be exchanged for gifts given by banks. Kill two birds with one stone, very appropriate.
Third, it is conducive to improving personal credit records.
Using credit card to make personal consumption loans and repay them on time can gradually improve the credit of cardholders and correspondingly increase the overdraft limit of credit cards. Raising the credit line will be very beneficial to future consumption, loans, going abroad and traveling.
Through the introduction, I believe that everyone has a certain understanding of the advantages of personal consumption loans, and I hope that the introduction can bring some help to everyone.
How about CCB10.5 million consumer loan?
All right. CCB10.5 million consumer loan is safe and reliable, and the withdrawal speed is fast, so it is good. ChinaConstructionBank, formerly known as the People's Construction Bank of China, was established in June 1 954+1October1(later renamed China Construction Bank1996 on March 26th) [106]. The head office is located at No.25 Financial Street in Beijing, [1-2] is a large state-owned commercial bank managed by the central government.