1. Major commercial banks

Major commercial banks are the first way to apply for loans. However, the threshold for applying for bank loans is the highest, and the general requirements for occupations are civil servants, institutions or employees of state-owned enterprises. The expected annualized interest rate of bank loans is low and the amount is high, but the approval is slow and the procedures are complicated.

2. Company

The company's requirements are lower, and generally it can't meet the requirements of bank loans. If the credit conditions are poor, you can find a company. The threshold of the company is low and the loan is fast, but the expected annualized interest rate is high.

3. Consumer finance companies

Consumer finance companies are also a good channel to apply for loans, mainly for individuals, providing various consumer loans. Consumer finance companies generally require stable working income, and the expected annualized interest rate is higher than that of banks, but it is easier to review and lend faster. China has consumer finance companies such as Gitzo, Bank of China and Yin Bei.

4. Internet finance companies

All the above are traditional entity lending institutions. Now, you can also apply for a loan from an Internet finance company. Online review of the whole loan process, without mortgage guarantee. Loans are minutes and hours. Such as flashing silver, recruiting soldiers, etc.

5. Online lending platform

I want to apply for a loan. Where can I get a loan?

You can apply in our e-banking channel, and the way to apply for a loan is as follows: 1. At present, China Bank supports customers in some parts of China to apply for loans in e-banking. Please select from the drop-down menu of online loan application function of personal online banking and mobile banking or the map of official website online loan application function of our bank in China. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu. 2. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.

The above contents are for your reference. Please refer to the actual business regulations.

Where is the loan safer? Mainly these three channels!

In modern society, everyone and every family will encounter some financial problems to some extent. Besides borrowing money from relatives and friends, it is a more convenient and quick way to find a lending institution. There are many loan channels now. Where is it safer to get a loan? Today we will briefly introduce it.

First, where is the loan safer?

1. Bank: The most common loan channels can be divided into central banks, policy banks, commercial banks, investment banks and the World Bank. Among them, commercial banks have extensive contacts, such as ICBC, Agricultural Bank, Bank of China, China Construction Bank, Bank of Communications and China Merchants Bank. And some private banks such as Weizhong Bank and Online Merchant Bank, and some city commercial banks such as Changsha Bank and Dongguan Bank also exist in each city.

2. Consumer finance companies: companies approved by the CBRC lend with their own funds and do not absorb user deposits. Unlike banks, they are non-bank financial institutions, and the loans are relatively formal and safe, but the interest is higher than that of banks, faster than the next one, and the threshold is low.

3. Regular licensed institutions: Now the loan industry has been standardized a lot, and you must hold a formal loan license to engage in loan business. Therefore, before applying for a loan, you must carefully check whether you have relevant qualifications, so that safety can be guaranteed.

2. Where else can I get a loan?

Private loan company: As long as it is a formal company with a business license and engaged in credit business, and the loan process and expenses meet the state regulations, it will be protected by law. Compared with bank financial institutions, the threshold of private loan companies is much lower, and users with general personal qualifications can consider it comprehensively.

What are the loan channels?

1. Bank loan is the most common way. In bank loans, you need to submit various materials. General borrowers need to have good repayment ability and good credit. If mortgage loan is used, proof of assets is required; It takes a long time to approve loans in banks, but the loan interest rate is relatively low and there are many repayment options.

2. Online loan. There are many online lending platforms now. Common ones are ant borrowing, online business loans, Baidu spending money, micro-loans and so on. Money can be borrowed from these loan outlets. For ordinary people, the loan amount is not very high. If you want to have a high amount, you generally need good credit. For example, using ants to borrow money, the higher the sesame credit score, the more the loan amount.

At present, there are a large number of third-party loan companies in the private sector, and many people will borrow from these institutions in order to cope with the shortage of funds. Generally speaking, the interest rate of third-party loan companies is relatively high, but the loan time is fast and the interest paid when repayment is relatively high. If it cannot be returned in time, it may face the risk of debt collection.

If you need a loan, you can also borrow it from your relatives and friends, and you can promise to give some interest. This kind of loan usually doesn't have high interest, but you must pay it back on time after it expires. Even if it can't be returned in time, we should inform the reason in advance to prevent it from affecting your relations.

When choosing a loan channel, you can choose according to the actual situation. If you have time, you can choose a bank loan. After all, this is the most formal channel. If you need money urgently, you can choose a third-party lending institution or private lending, which will get the money faster.

It's best to evaluate your repayment ability before lending. If there is no repayment ability in the later period, it is best to give up the loan to prevent overdue repayment in the later period. Overdue records will also affect personal credit information.

What are the ways to get a loan?

Hello, there are many ways to get loans from banks, such as credit loans, commercial loans and mortgage loans. You can choose the appropriate loan method according to your own needs and conditions. At present, there are many platforms on the Internet to borrow money. I suggest you pay attention to two factors when choosing. First, choose a trustworthy brand; Second, we should pay attention to the clarity and transparency of loan products and services, such as loanable amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.

MoneySpend, a credit brand owned by Xiaoman Finance, is recommended to provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Wealth Management APP (click on the official calculation). The daily interest rate of money-consuming loans is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible repayment, transparent interest expenditure and strong security.

The application conditions for sharing rich consumer products with you are mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: Money-rich flowers refuse to provide consumer installment loans to students at school. If you are a student at school, please give up the application.

2. Information requirements: You need to provide your second-generation ID card and my 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 card or first-generation ID card.

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This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual calculation method of interest expenses of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.