If the customer wants to apply for an e-speed loan, he can operate it directly on the GDB mobile phone application. The maximum credit line he can apply for is more than 300,000 yuan, which is suitable for loans that can be borrowed and repaid, and the credit line can be reused. At present, the minimum annualized interest rate of e-speed loan is 6%, and the loan installment can be 12-36. The loan repayment method is suitable for giving priority to interest and repaying principal and interest.

2. White collar loans

"White-collar loan" means that the Postal Savings Bank issues loans without any mortgage to eligible borrowers under the environment of the highest credit line of the revolving system. At present, the maximum loanable credit line of white-collar loans is more than 300,000 yuan, and borrowers need to submit their valid identity documents, work unit certificates, personal income certificates, marriage certificates and other original materials.

3. Fast loan from China Construction Bank

Fast loans are divided into four commodities, namely fast e-loans, car e-loans, financing e-loans and pledge loans. The credit limit that users can apply for is between 1000 yuan and 300,000 yuan. The borrower logs into the mobile banking APP of CCB, then looks for the goods he wants to apply for in "Loan-I want to borrow" and then applies for a loan.

4360 IOUs

The credit line of 360 IOUs is 500,000-200,000, and the daily interest rate is the lowest 0.027%. When customers APPly, they only need to manipulate it on the mobile app, which is simple to operate. 15min completes the application faster, and the credit line can be issued in 5 minutes. You only need 18 years old to try to apply.

What are the two mortgage standards of ICBC? As far as it is concerned, the house mortgaged by the borrower must have a certain loan value, preferably a relatively large-scale housing and commercial housing. In addition, the house to be used for the second mortgage must be an existing house, not a blank house or a house under renovation. The borrower has the property right certificate of the mortgaged house, and if the property right certificate has been mortgaged by a financial institution, the loan cannot be made.

In addition, the location of the house mortgaged by the borrower must be superior and the geographical location should be superior as far as possible. If you are in a suburb or a big city below the third tier, the amount of loans you can get is actually very limited.

In addition, the borrower's age must be between 18-65 years old, with good work income and good repayment ability. Excellent personal credit record. Moreover, applicants are allowed to borrow money through their own property rights and interests as collateral, and the bank that handles the loan must be the same as the bank that handles the mortgage loan.

After meeting the loan application criteria, the borrower must bring personal information and submit a loan application to ICBC. Financial institutions need a certain amount of time and energy to evaluate and audit, and the results will generally come out within 15 working days. If the loan is approved, it will generally be issued within 15 working days.