When it comes to borrowing, many people will think of bank loans. General requirements for bank loans include: 1, and the borrower must be a Chinese mainland resident and meet the loan age; 2. The borrower is a person with full capacity for civil conduct; 3. The borrower has a stable income; 4. The borrower has good credit information; 5. The borrower has good repayment ability; 6. Other bank loan conditions. However, because it takes a long time to apply for bank loans, many people choose some reliable credit loans from big brands to solve the problem of urgent need for money.
Here, I would like to remind everyone that it is best to choose big brands that are more reliable in the market for credit loans, such as Alipay loans, and spend less money on finance. Qianhua, formerly known as "Baidu Qianhua", is the credit brand of Xiaoman Finance (formerly Baidu Finance). Provide users with safe, convenient, unsecured and unsecured credit services and borrow money to Xiaoman Financial APP.
Xiaoman Finance will earnestly implement the call of the state to support small and micro enterprises to tide over the difficulties. Its credit service brand has the money to fully support small and micro production and operation, and Xiaoman Finance is the first choice for the capital turnover of most small and micro enterprises. It is reported that 70% of credit users of Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.
This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.
Is there a relationship between bank loans and online loans?
First of all, this is very important.
Whether online loans have an impact on bank loans depends on whether the applied online loans can be used for credit investigation. If the online loan is related to the personal credit information of the central bank, that is to say, the credit information on the applied online loan will affect the bank loan. If the applied online loan is not a credit report, it has no effect on the bank loan. Even if the applied online loan has credit, as long as the number of loans is small and there is no overdue record, this situation will not affect the bank loan; On the other hand, if the amount is large, or there are overdue records, it will affect the amount and pass rate of users' bank loans. If you have the idea of lending in the bank recently, it is best not to apply for online loans, especially those that need credit.
Second, online loans and bank loans related content
1. The process of bank loan is generally more complicated than online loan:
After the borrower submits the application form and related materials, the bank will review it, and after it passes the review, it will notify the customer to sign the contract and go through the relevant formalities; The loan will not be released until the formalities are completed. Online loans, most of them are online applications. After the customer submits the application, the system will review it, and if it is approved, the loan will often be released immediately. (The reason why some people choose online loans is also because online loans are simple and easy to apply).
2. The audit basis of bank loans and online loans is different:
Bank loans measure the borrower's situation, mainly by reviewing his credit information, fixed assets, work, running water and other aspects; Online loans are usually based on big data and their own risk control (some are connected to the central bank's credit information system, which will examine customers' credit information).
3. For many bank loans, it takes several days or even a month from the time the borrower applies to get the loan receipt; From application to lending, online loans can now be completed on the same day, and some may take two to three days. (So one of the reasons why most people choose online loans now is because it is fast).
4. Bank interest: Compared with the current credit loans of banks, the monthly interest rate is between 3% and 8%. According to the bank's evaluation, it is linked to your income, work, running water and so on. (Calculated according to the maximum 8%, the loan is 6,543,800 yuan, with a monthly interest of 800 yuan).
Can you briefly talk about the difference between online loans and bank loans?
There are many procedures for bank loans, strict examination and approval, more information needed, low interest rate, long loan period and long examination and approval period. Bank loans are mainly large enterprises and well-qualified personal mortgages; P2P online lending is more flexible, and it is a person-to-person lending relationship, which tends to directly connect private idle funds with borrowers. The approval is relatively flexible, the loan period is short, the amount is small, and the interest rate is high, mainly serving small and medium-sized enterprises or private enterprises. At present, P2P loans tend to be mortgage loans and credit loans. E-commerce loan is a credit loan platform and does not require mortgage. As long as there is no problem with personal credit, you can generally borrow1-500,000.
What's the difference between bank loans and online loans?
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Types of bank loans:
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans, securities broker loans, etc.
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the different classification of loan amount, it can be divided into wholesale loans and retail loans;
6. According to the different classification of interest rate agreements, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
P2P online lending features:
1. Lending information is released more quickly and flexibly. Borrowers can publish loan information in time through the website and formulate their own loan interest rate level and repayment method. The operation process is more simplified and convenient, more direct and flexible, which is helpful for borrowers to publish loan information conveniently and quickly.
2. The loan procedures are more simplified and the cost is lower. The whole transaction is completed through the website, which simplifies the whole process and concentrates on a unified operating platform, reducing complicated procedures and process approval, shortening the loan cycle and greatly reducing the borrower's loan cost.
3. The borrower's loan information and credit status can be publicly inquired and compared. Through the website, you can directly query and compare the information and credit status of borrowers. For lenders, it is better to compare the information of each loan list with the borrower's situation, and choose different interest rates, loan periods and loan amounts for borrowed funds, which is helpful to reduce the risk of lenders.
4. Electronic loan contract mode. Different from the traditional loan method, the whole transaction contract is stored electronically on the website platform, which makes both borrowers and borrowers not limited by geographical and time factors, and promotes the possibility of establishing loan relations between strangers.
In addition, P2P online lending, as a financial innovation generated by the combination of traditional lending business and Internet technology, brings not only changes in form, but also a purer credit transaction model in a specific lending business field.
I hope I can help you!