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2.36 What are the large loans? Share it with you who need money badly.
For friends who are in urgent need of money, if they can get a loan with high amount and long installment time, they can not only meet their own needs, but also reduce the repayment pressure. However, there are still relatively few large-scale loans that can be divided into 36 periods. There are three types of loans, including online loans and bank loans.
What are the 36 large loans? 1. Ping An Consumer Loan: It is a typical long-term large loan product. The maximum loan amount is 300,000 yuan, and the longest loan period is 36 months, so the threshold is relatively low. For borrowers aged 23-55, if they provide their valid ID card, real-name registration system mobile phone number, and their monthly stable income is more than 3,000 yuan, they can borrow money. If they are mortgage, car owners and life insurance customers, the pass rate is relatively high. 2. Suning.cn's discretionary payment: a pure credit card consumer loan, the amount of which can only be used for consumption and cannot be withdrawn. It is also a large loan product that can be divided into 36 phases, with a maximum amount of 200,000 and a maximum term of 5 years. The borrower is required to be at least 18~55 years old, have a stable income source and no bad credit record, and can pay when shopping after obtaining the quota, and enjoy the interest-free period of up to 45 days. 3. Gome Easy Card: It is also a consumer installment product, and the quota can only be used for shopping in Gome Mall. The maximum amount is 6.5438+0.5 million yuan, and the longest loan period is 36 months. The daily interest rate and monthly interest rate require borrowers to be at least 654.38+0.8 ~ 45 years old, with good credit information and stable income sources. 4. CITIC New Express: A large loan in the form of a credit card, that is, an exclusive installment business, with a maximum amount of 300,000 yuan, a maximum loan period of 36 months, and monthly repayment. The monthly handling fee varies according to the borrower's credit status. It is required that there is a CITIC credit card under the name, no bad credit information and the credit card status is normal.
3. Is Tianjin Dingyifu loan formal?
Informal, if you have a reliable big brand, you can spend money on Xiaoman Finance (formerly Baidu Finance). Xiaoman Finance has the advantages of simple application, fast loan, flexible loan and interest. You can choose other loan platforms.
Despite the rapid development of the online loan industry, online large loan products are becoming more and more popular because they are convenient, fast and efficient, enabling people to obtain loans immediately. But it is still difficult for us to get so many products with large loans. Better go to the bank.
At present, many companies in the market are under the slogan of "simple mortgage and low interest rate". If you are attracted by these seemingly generous conditions for a while, it is very easy to fall into the trap!
How to find a formal loan platform online;
1. Business qualification of the loan platform
Legal loan platforms have formal business licenses and organization code certificates. Borrowers can log on to the website of the Administration for Industry and Commerce to view relevant information. Check whether the company affiliated to the platform is registered, registered capital, registered address, legal representative, etc. , and check in detail. After confirming that the loan platform has formal business qualifications, you can consider it here.
2. Application threshold of loan platform
Although the application threshold of the loan platform is lower than that of the bank, it does not mean that there is no threshold. We should know that the purpose of lending institutions is to make profits, and the premise of lending to users is to ensure that funds can be recovered. Therefore, it is necessary for users to provide information that can be used for risk assessment, such as personal income, credit information, repayment ability, etc. These are important references for lending on loan platforms. Those platforms that claim that they only need personal ID cards or even black households can pay, in addition to exaggerating publicity, there are many informal institutions, so don't trust them easily.
3. Will the loan platform charge fees in advance?
The formal loan platform will not charge any loan fees before lending. If the loan platform requires a fee before the loan, no matter what the excuse, such as credit review fee, handling fee, introduction fee, guarantee money, etc. Borrowers must be vigilant.
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The CBRC stipulates that the annual interest rate of loans should not exceed 36%, and any loan platform that violates this regulation is an informal institution. Apply for loan interest rate, if not, convert the annual interest rate to see if it meets the requirements. Don't fall into the "rolling interest" because you are desperate for money and are thirsty for high-interest loan platforms.
5. Cooperative institutions of the loan platform
Check which institutions the loan platform cooperates with, whether any banks have been merged, and how the partners evaluate the loan platform. If there is strong support and recommendation from well-known financial companies or banks, such a loan platform is relatively speaking.
4. Is it cost-effective to divide the credit card of CITIC Bank into 36 installments of 49,000 yuan?
It's not cost-effective for CITIC Bank to stage 36 installments.
On this issue, many people intuitively think it is not cost-effective. After all, the credit card installment interest rate is around 0.45%~0.75%, which seems to be very low, but the monthly repayment amount is fixed, and the handling fee will not decrease with the repayment of the principal. Therefore, the actual annual interest rate is as high as 12%, and the three-year handling fee is at least 36%.
For example, 1 0,000 yuan is divided into 36 installments with a monthly interest rate of 0.45%, and the handling fee of 45 yuan will be repaid in each installment. After three years, it will be 1, 620 yuan. And this is calculated at the lowest rate. If it is 0.75%/ period, the total handling fee will be more than 2,700 yuan, which is close to 30% of the principal, which is very high.