Among the prospective loan customers, many friends choose the bank under the recommendation of the intermediary. In fact, there may be many bank loans to choose from, with lower interest and faster approval. In this regard, credit experts especially remind customers to compare their loans with loan calculators to find out whether their loans are the most "appropriate".

Judging from the current situation, there are more than 100 bank loan products connected behind the loan calculator. As long as the customer inputs the loan amount, repayment period and monthly payment amount, it can be compared with the products with the lowest loan cost in the database.

Common sense 2 focus on hidden costs

Credit cards are very convenient, and installment payment has made many friends realize their consumption dreams in advance. Many credit card holders often receive phone calls from bank customer service, asking whether large-scale consumption requires installment payment, and offering preferential conditions of "zero interest". However, zero interest does not mean zero cost. Nothing for nothing.

Ms. Wu, a white-collar worker, bought a notebook computer with a market price of 8,000 yuan by credit card installment 12, but in addition to repayment, she also deducted the 52 yuan handling fee that month. The customer service staff of the bank explained that although the credit card installment payment has zero interest rate, she has to pay a certain percentage of handling fee every month. Credit experts reminded that if you need to buy some products with a large amount by stages, you must calculate the difference between the handling fee and the bank loan interest. If the cost is high, it is better to apply for a consumer loan.

Common sense 3 beware of overlord clause

Car loan is very common, and it is more common for dealers to charge car loan fees. Bundling insurance has become an industry rule. Not only do car loans encounter hitchhiking charges, but it is still common to bundle mortgage insurance. The above-mentioned credit experts believe that it is often tens of thousands of yuan to buy clothes and shop around. A little negligence, the loss will be great. It is suggested that the loan must be "three-to-one".