Online lending is convenient, so even though there are not many products available for application now, there are still many users who want to apply. Someone asked, which online lending platform is easier to pass? Then I'll briefly introduce a few to you, hoping to be helpful after reading them.
Which online lending platform is easier to pass?
1. BOC consumption: the maximum amount that a user can apply for is 50,000 yuan, and the minimum comprehensive annual interest rate is the longest loan term, which can be 12 months, and can be used to repay the loan. User required _ Credit information is in good condition and there is no obvious credit stain.
2.JD.COM Gold Bar: a loan product owned by Jingdong Finance, with a maximum credit line of 200,000 yuan. Users can choose to download the Jingdong Financial APP for operation, which belongs to pure online processing, and the review speed is fast, and it can be received in 5 minutes at the earliest.
3. Zhaolian Good Loan: Zhaolian Consumer Finance, the credit line is generally around 50,000 yuan, which can meet the needs of small funds. The daily interest rate of the loan is between and the longest loan period can be divided into 24 periods.
4. Suning's willful loan: a loan product belonging to Suning's consumer finance, with a maximum credit line of 300,000 yuan. Users often spend money on the platform and maintain good personal credit, so they have the opportunity to obtain credit lines.
5. Ctrip Finance: The maximum credit line is 200,000, the users need to be between 22 and 55 years old, and the debt ratio cannot exceed 50% of personal asset income. The minimum daily interest supports loans and returns.
The above is an introduction about "which online lending platform is easier to pass".
A complete set of loan variety names
The loan variety name is as follows:
I. Self-operated loans, entrusted loans and special loans.
1. Self-operated loan refers to a loan independently issued by the lender with funds raised in a legal way, with risks borne by the lender and principal and interest recovered by the lender.
2. Entrusted loans refer to loans provided by customers such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (i.e. trustees) according to the loan object, purpose, amount, term and interest rate determined by customers.
3. The lender (trustee) only charges the handling fee and does not bear the loan risk.
4. Specific loans refer to loans granted by wholly state-owned commercial banks after taking corresponding remedial measures for possible losses caused by loans with the approval of the State Council.
Two, short-term loans, medium-term loans and long-term loans. short-term loan
1 refers to loans with a loan term of less than one year (including one year).
2. Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years).
3. Long-term loans refer to loans with a loan term of more than five years (excluding five years).
3. Credit loans, secured loans and discounted bills. Credit loan refers to the loan issued by the borrower's credit.
1. Secured loan refers to secured loan, mortgage loan,.
2. Guaranteed loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), and the borrower promises to assume general guarantee liability or agreed joint and several liability when the borrower cannot repay the loan.
3. Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC).
4. Refers to the loan issued with the movable property or rights of the borrower or a third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC).
5. Bill discount refers to the loan issued by the lender by purchasing the unexpired commercial paper of the borrower.
What are the bank credit loan products? Take stock of some common ones!
Many people will choose to go to the bank for loans when they need money badly. After all, it is safer and the interest is low. So what are the common bank credit loans on the market now? In fact, many banks can handle mobile phones, and today we will take stock of some.
1, Agricultural Bank
Online loan: a well-known mobile phone credit loan can be handled through ABC pocket bank. The application threshold is relatively low, only the application age is 18 to 60 years old, and the personal credit record is good. The loan interest rate of NetJet Loan is 6%, and the loan time is 1 month to 60 months. The minimum loan amount is 6.5438+0 million, and the maximum loan amount is 3 million.
2. Industrial and Commercial Bank of China
E-loan: the applicant should be 18 to 65 years old, have a stable income and work, and have good personal credit information. The application amount is the lowest in 600 yuan, and the highest is 800,000 yuan, with interest of one ten thousandth per day. It is a pure credit unsecured loan product. The loan term can be up to 5 years, with the interest rate of 5.22% for one year and 5.7% for more than one year.
3. Bank of China
Wage loan: a small credit loan suitable for office workers, mainly providing personal revolving credit loans. The maximum loan amount is 500,000, which is generally 2 to 3 times the annual income. The loan term is generally one year, and the longest is three years. The loan amount can be used for home improvement, car purchase, education and medical care.
4. China Construction Bank
CCB's fast loans include fast e-loans, financing e-loans, pledge loans, car e-loans, Wo e-loans and other products. Mobile phone credit loan generally refers to fast e-loan, and the application amount varies from 1 0,000-300,000. Loans can be repaid with the loan, and the term is generally one year. During this period, the loan can be recycled and the interest is relatively low, so it is very cost-effective when it comes to activities.