Which bank has low interest on consumer loans?
1 ICBC minimum 3.7%
For example, ICBC's personal credit consumption loan "Rong e loan" can reach a maximum of 654.38+0 million yuan, with a minimum annualized interest rate of 3.7% and a maximum service life of 5 years.
2 China Bank minimum 3.65%
For example, China Bank's "Sui Xinzhi Neng Loan" has a maximum amount of 300,000, a maximum service life of 3 years and an annual interest rate of 3.65%.
3. Minimum 3.85% for China Construction Bank
For example, the minimum interest rate of 3.85% for the construction of fast loan business is calculated and differentiated through the system background model according to the credit status of users and their contribution to CCB.
4 China Merchants Bank minimum 3.2%
For example, China Merchants Bank's lightning loan has a minimum interest rate of 3.2%. The application condition in Beijing is that as long as the lightning loan amount of China Merchants Bank APP exceeds100000, you will have the opportunity to apply for interest rate concessions, and you may not get the lowest preferential interest rate of 3.2%, but the chances of 3.6% and 3.7% are great.
Consumer finance companies and microfinance institutions
At present, the interest rates of licensed consumer financial institutions are basically maintained at a low level, mostly between 10%- 15%. The hospitality loan of BOC Consumer Finance is at least 9.65,438+0.25%, the "comfort flower" that disappears immediately can reach at least 7.2%, and the minimum of Zhaolian Finance is 7.3%. In addition, Du Xiaoman also launched the activity of "new customers enjoy low interest on their first loan", with the annualized interest rate of the first loan as low as 4.9%.
It should be noted that not everyone can apply for this wave of wool from banks, consumer finance companies and small lending institutions. Generally speaking, public officials and customers with good provident fund payment are more likely to apply for low-interest consumer loans.