Banks with better personal loans include China Merchants Bank, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank, Industrial Bank and Huaxia Bank.

Comparison of individual consumer loan banks;

1. Features of personal consumption loan products of China Merchants Bank: It can be distributed in different periods according to customers' needs.

2. CCB's personal consumption loan products are characterized by high loan amount, wide consumption purposes and low loan interest rate. The loan interest rate of its fast e-loan products is only about 7.6%.

3. Agricultural Bank is the golden key to build a mortgage brand.

Many credit brands have been launched, with good service industry and flexible repayment methods, so they are very popular with people.

4. ICBC's personal consumption loan product features: personal comprehensive consumption loan has a wide range of consumption purposes, high loan amount and long loan term.

5. Features of Industrial Bank's personal consumption loan products: the longest credit period of personal comprehensive consumption line can reach 10 year.

The line is reused during the credit period, and the used line can be recovered after the loan is repaid. There are various ways of guarantee, such as pledge, mortgage, mortgage plus guarantee, guarantee or credit.

6. Features of Huaxia Bank's personal consumption loan products:

(1) Flexible use of funds: within the time limit and quota agreed in the contract, the loan will be repaid, that is, the loan will be repaid without approval one by one.

(2) A variety of guarantee methods: pledge or mortgage;

(3) Long term: the longest loan term can reach 5 years;

(4) Wide use: it can meet the borrower's needs for various consumption funds such as travel, decoration, fitness and purchase of consumer goods.

Precautions for personal loans:

First, apply for a loan amount according to your own ability. When applying for personal loans, borrowers should make correct judgments on their economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

Second, we must choose a good loan bank.

Third, choose the repayment method that suits you best.

Fourth, the information provided to the bank should be true.

5. Provide my address accurately. The address provided by the borrower to the bank is accurate, which is convenient for the bank to contact with it and receive the repayment notice from the bank on time every month.

6. Repay on time every month to avoid penalty interest. For the borrower, it is necessary to pay attention to whether there is enough money in his repayment account before the repayment date agreed every month.