It is the four major banks and local support banks.
1 Four Big Banks
Among many banks, to ask which bank has the lowest interest rate, the interest rates of the four major banks are definitely lower than those of other commercial banks. According to the latest loan interest rate of 202 1, the lowest loan interest rate of the four major banks is 4.9% for five years, while the lowest loan interest rate for less than five years can reach 4.75%.
However, it should be noted that if you want to apply for loans in the four major banks, the threshold for applying for loans is still relatively high. As state-owned enterprises, the four major banks have relatively strict requirements on the qualifications of borrowers.
In addition to the personal credit information of the lender, other qualifications also need to meet the requirements of the bank.
2. Local support banks
If the lender can't apply for mortgage loans in the four major banks, then he can choose some local banks supported by policies. For example, a lender in Dalian can apply for a loan in bank of dalian. As a local, bank of dalian generally gives some preferential loan interest rates.
And with the support of policies, such banks will be superior to other commercial banks in terms of loan amount and loan time.
Generally speaking, if banks want to choose low-interest and reliable banks when applying for loans, it is definitely correct to choose the four major banks.
However, lenders also need to judge according to their own qualifications. The better their personal qualifications, the higher the loan amount they can apply for and the lower the loan interest rate they can apply for.
Which bank has the lowest interest on credit loans?
The interest rates of credit loans in large banks are almost the same, and the interest rates will be different according to individual circumstances. The following banks with lower credit loan interest rates can be used for reference:
1, CCB Express Loan: CCB Express Loan is also a personal credit loan product with low interest rate, which was as low as 4.35% before, but the specific interest rate is differentiated by the system according to the borrower's credit and contribution.
2. Bank of China: BOC E-loan credit loan, with an annual interest rate ceiling of 4.35%, and differentiated pricing according to the specific situation of the lender;
3. Agricultural Bank of China: Netjet credit loan. The annual interest rate of the newly signed 1 year loan is at least 4.35%~4.5%. The interest rates vary from region to region, and the pricing is different according to the qualifications of the lender.
4. Postal savings loan-exclusive customers: The initial loan amount of personal credit loan issued by Postal Savings Bank is 65,438 yuan+0,000 yuan, with a maximum of 200,000 yuan, and the annual interest rate is 4.35%-7.05%. Differentiated interest rates shall be adopted according to the qualifications of borrowers, which shall be subject to the interface display at the time of application.
Extended data:
1. The current benchmark interest rate for RMB loans is:
1, short-term loans: within 6 months, the interest rate is 4.35, and the interest rate from 6 months to 1 year (including one year) is 4.35;
2. Medium and long-term loans: one to three years (including three years), with an interest rate of 4.75; The interest rate for three to five years (including five years) is 4.75; The interest rate for more than five years is 4.90;
Personal credit consumption loans can rise by a certain percentage on the basis of the benchmark interest rate.
For credit loans, the interest rate is very large, usually rising by 20% or more. There are also great differences in credit loan interest rates between some large banks and some joint-stock commercial banks. The annual interest rate of credit loans of some big banks can be controlled between 5% and 7%, while the interest rate of credit loans of joint-stock commercial banks is likely to be higher than 10%. The former has lower interest rate, but higher requirements for credit and qualification. The requirements of the latter will be lower, but they are still much stricter than those of non-bank lending institutions.
Which lending platforms have the lowest interest rates?
Minimum suggestions for platform benefits:
1. Micro-loan: Micro-loan is the first Internet micro-credit product of Tencent Weizhong Bank, with a loan amount of 200,000-200,000, a daily interest rate of 0.05% and an annualized interest rate of about 18%.
2. Lending: Lending is a loan launched by Alipay, as long as the sesame score is above 600. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
If there is demand, I recommend that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and an official license. Its main business is money loan service, with Baidu's brand background and technical support.
In addition, Du Xiaoman also owns wealth management, wallet payment, insurance brokerage and other businesses, and accordingly obtained securities and futures licenses, payment business licenses and insurance intermediary licenses. These licenses are complete and open, in line with national supervision.
The loan amount of the money spent ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, and the interest for 654.38+0 days from 2 yuan is 654.38+0 yuan. Long loan period, daily repayment, daily interest, no mortgage, pure credit, the whole process of online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.
Xiaoman-Money spent (second batch) Click online measurement.
Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every time you issue a loan, you need to verify the password and other verification items, and you can only lend it to the bank card in the lender's own name, so you can use it with confidence.
3. Money flower: Money flower is a small loan product under Baidu Finance. Users can search for "money flower" in the mobile app store to find it. After downloading, users will find that there are many loan products that can be used for money, such as short-term loans with low thresholds, and the lowest daily interest rate is 0.02%.
4.E-point loan: E-point loan is a micro-credit under Yin Bei Consumer Finance. At present, the maximum credit line that users can apply for is 50,000 yuan, and the minimum loan is 1 10,000 yuan. The minimum annual interest rate of e-point loan is 10.8%, which is purely online application and the quota can be recycled. After the user submits the loan application, the loan can be completed in 5 minutes at the earliest.
5。 China Merchants Bank's lightning loan: Lightning loan is a mobile phone loan software launched by China Merchants Bank. For high-quality customers of China Merchants Bank, the quota is 0 0. 1-50/-500,000, and the daily interest rate is 0.042%.
Among them, the daily interest of micro-loans, borrowing loans and China Merchants Bank lightning loans is less than five ten thousandths! If you need to apply for a loan, you can first check whether there is any charge, and then measure which loan platform is more in line with your requirements.