Everyone needs money badly sometimes. Under such circumstances, if the money in hand is abundant, the problem will not be great, and those who are hard up and living in poverty will be overwhelmed. Obviously, a penny beats a hero at this time, and the importance of money makes people have a deeper understanding.

At this time, the loan is undoubtedly a way out. The problem is that the loan is not an easy thing, mainly depending on the individual's qualifications in all aspects. However, with the continuous development of the Internet and financial industry, there are more and more ways to borrow money, which is more and more convenient. How much credit can be borrowed mainly depends on how many credit resources individuals have, so as to find out what can be used as credit resources.

Although the yield of national debt is not high, it is still very popular with investors because of its national credit guarantee, low risk and tax exemption on interest. However, the liquidity of national debt is very poor. In order to make it convenient for investors and revitalize funds reasonably, the People's Bank of China and the Ministry of Finance promulgated the Measures for Pledged Loans for Treasury Bonds, which stipulated that anyone who purchased the 1999 (inclusive) certificate-based treasury bonds can apply for pledged loans for treasury bonds at designated outlets of commercial banks.

The starting point of national debt pledge loan is 5,000 yuan, and each loan of voucher national debt pledge cannot exceed 90% of the denomination of pledged national debt, and each loan of electronic national debt pledge cannot exceed 100% of the denomination of pledged national debt. The interest rate of the national debt pledge loan shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the bank will increase the loan interest rate according to the situation of different customers.

Generally, the loan term shall not exceed the maturity date of pledged bonds. Where multiple treasury bonds with different maturities are pledged, the loan term shall be the one with the latest maturity date.

If you don't have national debt in your hand, but you have a bank time deposit certificate, you can also apply for a loan from the bank with the bank time deposit as collateral. The principle is similar to the pledge of national debt. The actual situation can be directly asked by the bank customer service.

Policy pledge loan refers to the business that the insured applies for a loan from the bank with the life insurance policy in his hand as collateral.

Policy pledge loans are relatively more conditional. First, the policies in hand should be long-term policies, such as short-term and 1 year policies, term life insurance and critical illness insurance that are too consumptive, because there is no cash value or the cash value is very low; Second, it generally takes time to pay the policy. For example, banks will accept loan business if they pay for two years or more continuously; Third, the qualification of the lender is also an important reference. In addition to holding a life insurance policy, the lender must also have a stable income and the ability to repay the principal and interest of the loan.

Policy pledge loan is a short-term loan, the longest of which generally does not exceed 3 years, and it cannot exceed the payment period of the pledged policy. Under normal circumstances, the loan amount is measured by the cash value of the policy at that time, and the minimum amount cannot exceed 80%. However, in practice, this will not be strictly followed. After all, if the insurance policy is only paid for a few years, the cash value may be several thousand yuan, and the amount is too small. As for the amount of loan, it depends on the bank.

The interest rate of policy pledge loan is not low, generally around the annual interest rate 10%, which is still quite high.

Although there are many restrictions, it is still a good way for people who are in urgent need of money and have no other loan channels. It can not only solve the problem of short-term funds, but also enjoy the insurance protection of insurance contracts intermittently after handling the policy pledge loan. In addition to banks, you can also apply for a policy pledge loan from the issuing company of the policy. Now insurance companies generally have this business.

Credit loan is a loan secured by personal credit and does not need any collateral. In order to successfully apply for a credit loan, personal qualifications are very important. The so-called qualification refers to whether the personal income source is stable, what kind of work is engaged in, whether the personal credit is overdue, and whether the credit is small (generally, whether the credit card is held or not, and whether the credit card has been used normally in the past period of time). The better the qualification, the easier the loan will be successful, while the employees engaged in finance, civil servants, doctors, institutions, listed companies or Fortune 500 companies are banks.

There is no fixed figure for the loan amount. Banks evaluate loan quotas according to individual qualifications, and different qualifications have different quotas. The loan interest rate is moderate, generally in the range of 6%-9%. The term is a short-term loan, usually three to five years.

Credit loans are easily rejected by banks if their personal qualifications are not good, so you should take good care of your personal qualifications in peacetime, especially to keep your credit information clean and avoid overdue stains. However, credit loans have low barriers to entry and are very suitable for the general public.

Speaking of credit loans, let's talk about some common online loan channels, such as micro-loan, Lending Treasure, China Merchants Bank Flash Loan, 360 IOUs, JD.COM Gold Bar, Baidu Huahua and so on. These are Internet-based, with quick review and quick lending, but the loan interest rates of these channels are generally high, and some even reach 18%. Only suitable for short-term capital turnover, not long-term frequent use, otherwise interest alone is a big expense.

With the development of the financial industry, there will be more and more personal credit resources, and loans will become more and more convenient, which will bring great benefits to those who need capital turnover. Reasonable debt can improve the quality of life, use other people's money to achieve their own goals, achieve the role of revitalizing funds, and let personal credit resources play a better role.