(1) Apply for a consumer loan from the bank.
Bank consumer loans are widely used, not only for tourism, but also for purchasing durable goods and education. However, the threshold of bank loans is high, which requires higher personal qualifications of borrowers. Of course, the expected annualized interest rate of bank loans is low, which is what many borrowers like, and bank loans are safer.
Take the construction behavior as an example. To apply for a consumer loan from CCB, the borrower must be a China citizen with full civil capacity who is over 18 years old and not over 60 years old, and must provide a guarantee. Of course, this is only a relatively broad condition, and the implementation of CCB's consumer loans in different regions will be slightly different.
(2) Apply for a loan from a small loan company.
If the borrower's personal qualifications can't meet the bank's standards, then you can consider applying for a loan from a microfinance company. However, it does not mean that microfinance companies do not have their own thresholds, but the thresholds are relatively low. When choosing a small loan company, the borrower must consider its formality, and don't pay any fees in any way or for any reason before successfully getting the money.
(3) Mobile loan APP
The mobile loan APP can save time and cost for borrowers, and can be operated in always online. However, the loan amount, expected annualized interest rate and target borrower provided by different mobile loan apps are different. If the borrower wants to apply for a loan on the mobile loan app, he needs to combine his own actual situation, simply put, what is his loan amount.
The mobile loan APP is aimed at a wide range of college students. Let's take Doudou Money as an example. The basic amount of Doudou money is 1000-20000 yuan. The minimum interest service fee means that the borrower can get a larger loan amount if he can provide his own social security and provident fund and other related information. Borrowers can use it by withdrawing cash. After the loan is successful, the borrower needs to repay the loan on time to avoid leaving a bad record on his personal credit record after the loan is overdue, which will affect his application for mortgage and car loan in the future.
(4) WeChat loan platform
At present, the WeChat loan platform is becoming more and more popular. Wechat micro-loans, flash loans, flash bank loans and other loans are all better, but the loan amount and the expected annualized interest rate of loans will be different. Therefore, when choosing a loan, the borrower can first list the travel expenses in detail and apply for a suitable loan amount within the controllable range.
As a reminder, if you want to borrow money for New Year's Day travel, you can make a detailed plan in advance, and then choose the appropriate loan method according to your actual situation. Pay attention to the funds. After applying for a loan, you must remember to repay it on time.