Hello, if you are in urgent need of money, you can consider using loans to relieve your pressure, and at the same time try your best to make money. There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

The online lending platforms with high credibility and fast collection are (it is recommended to collect them in case of emergency):

1. Money to spend

Money Flower is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Money Flower, renamed as "Money Flower" in June 2065438+2008). The big brand is reliable and trustworthy, and the interest rate is low. It takes 5 minutes to arrive at the account at the earliest, and it is easy to borrow money. The maximum loan amount is 200,000 yuan (click on the official link to get the calculated welfare amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Step 2 rent a shot

Brand programs help young people grow up hard, including a thousand-person auction loan fund and a youth program. The loan service of the auction loan platform includes universal loans and other loans for individual users, with the maximum loan amount of 1.8 million (click the official link to receive the welfare calculation amount), and the lending process has been highly automated; The cumulative registered users of the auction loan exceeded 654.38+0.2 billion. It is a loan matching service platform selected by many domestic users.

3. Comfortable flowers

Easy-to-consume users can withdraw cash, spend in installments and at an annualized interest rate of 7.2% (simple interest), and implement risk pricing within the scope of laws and regulations. According to the user's credit situation, provide a loan amount of 500,000-200,000 yuan (click the official link to receive the welfare calculation amount), and use the credit for one cycle, and the fastest loan is 1 minute.

Step 4 pay it back

Huanbai APP is a staged service platform based on daily consumption scenarios. 2065438+officially entered the market in February 2006, with a maximum credit line of 200,000 yuan (click the official link to receive the welfare calculation line), providing young people with various services such as bill installment, credit installment, cash installment and installment mall. Users can enjoy more flexible, convenient and efficient installment life service in shopping, consumption, repayment and other scenarios. Up to now, the APP has more than 65 million registered users, providing reasonable credit services for more than100000 users, and helping "upward youth" achieve their small goals in life.

5. China Post Wallet

China Post Wallet Loan is a loan business of China Post Consumer Finance Co., Ltd., which belongs to formal financial behavior. The maximum revolving loan amount is 200,000 yuan (click the official link to receive the welfare calculation amount), with daily interest, without interest, and approved by the Bank of China Insurance Regulatory Commission; A national financial institution initiated by seven enterprises, including China Postal Savings Bank, to provide consumer financial services for individual residents.

Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.

What should I do if I need money urgently? Several decent ways to borrow money.

Many people have had the experience of needing money urgently, and some people have assets in their hands, but for some reasons they can't convert them into cash in time. Some people ask relatives and friends for help, but after all, they are embarrassed to ask, and the funds may be used for other purposes, which is not convenient. In fact, many financial institutions can properly solve the problem of borrowing money. As the saying goes, you get what you pay for. As an individual, you should know the use of some bank funds, which may help you solve your urgent needs at critical times. Some decent ways to borrow money from financial institutions are as follows:

Bank: Low threshold

Quota: 50,000 ~ 300,000, and the interest rate can reach above 65,438+00%.

If you want to spend a lot of money to improve your quality of life, it is a good way to have a stable career, such as a university teacher, a civil servant and a personal credit loan from a bank. This is a credit loan issued by the bank to borrowers with good reputation, and there is no need to provide guarantee. This loan model has no guarantee at all, and its characteristic is that borrowers can get loans only by their own reputation. Many banks have this business, including the four major banks. Some foreign banks also provide this service. Some banks can issue credit loans of up to 500,000 yuan to borrowers with good credit, and the repayment time is generally within 3 years.

But this kind of products are not guaranteed, so the interest rate is high. The slogan of many products is the annual interest rate of 7% ~ 9%, but ordinary banks use the method of repaying principal and interest, and the actual annual interest rate of repayment is as high as 15%.

Earlier, some media reported that some buyers didn't have enough down payment to make up the down payment. But later, the CBRC expressly stipulated that it could not be used for buying houses.

Information required for application:

1. Provide personal identification, such as ID card;

2. Provide stable proof of address, house lease contract, water and electricity bills and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

If the loan is used to buy big items, study abroad, decorate, etc. , and the required amount does not exceed 300,000, and I have a good credit record and stable work income. I am a high-quality customer of the bank, so I can consider choosing a credit loan.

Bank mortgage loan

Amount: The maximum amount is 70% of the assessed value of the collateral, and the interest rate: the benchmark interest rate is slightly higher.

Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. What we are most familiar with is mortgage. Many people get housing loans by mortgaging their properties with banks. It is understood that the amount of real estate mortgage loan needs to be comprehensively determined according to the loan purpose, the type of mortgaged house, the repayment ability of the applicant and other factors.

With ordinary housing mortgage, the highest can apply for 70% of the real estate appraisal value; If high-grade houses, villas, high-grade apartments and commercial houses are used as collateral, you can apply for up to 50% of the real estate appraisal value.

The mortgage interest rate is much lower than the interest rate, which is generally implemented according to the loan interest rate announced by the central bank, and sometimes fluctuates slightly. The general interest rate is 6% ~ 8% (depending on the loan term).

Materials needed to apply for mortgage loan:

1. has legal status;

2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;

3 newly purchased houses as the maximum mortgage must have a legal and effective purchase contract and be equipped with

Or has paid a down payment of not less than 30% of the total price of the purchased house.

bank

Amount: up to 90% of the pledged property.

Pledges include treasury bonds, national key construction bonds, financial bonds, AAA corporate bonds, savings certificates, insurance policies and other securities.

20 1 1 In July, Mr. Wang saved a sum of 50,000 yuan for three years, and now he is in urgent need of money and needs to withdraw it in advance. However, if it is withdrawn in advance, the current account will be calculated from the initial deposit date. According to the current 34-month current interest rate of 0.35%, the interest is only 500 yuan. The interest due in three years totals more than 5000 yuan. Considering that the three-year period of this fund is coming, financial experts suggest not to withdraw it in advance, but to do it for two months. 90% of the 50,000 loan is 45,000. According to the current loan interest rate of 6.0%, it is necessary to repay the loan interest 450 yuan. This can be about 4500 yuan more than the direct withdrawal method.

Where securities such as bank drafts, bank acceptance bills, cheques, promissory notes, certificates of deposit, treasury bills, etc. are pledged, the maximum pledge rate shall not exceed 90%; Movable property, stocks, commercial acceptance bills, etc. If pledged, the maximum pledge rate shall not exceed 70%.

It is very convenient to handle the bank. Just bring your ID card and the certificate of rights you want to pledge, and you can handle it at the relevant bank counter, and it is very efficient. Some banks can get loans at that time. There are no other expenses, only need to bear the loan interest.

Withdraw cash by credit card

Limit: up to 50% of the credit limit.

Credit card withdrawal is different from credit card withdrawal, which is one of the inherent functions of credit card itself.

Generally speaking, credit card withdrawal only happens when there is a particularly urgent demand for funds, and the demand for funds is not particularly large. Credit card withdrawal interest is very high, and there is a withdrawal fee, which is generally 65438+ 0% of the withdrawal amount. Some of them should pay 0.5‰ interest every day from the same day, and compound interest will be calculated after more than 3 1 day. If the time is too long, even a small cash withdrawal will bring a great interest burden.

The overdraft withdrawal amount is set according to the cardholder's card usage, and the maximum amount shall not exceed 50% of the cardholder's credit limit. Some banks can't exceed 30% credit. In addition, if you withdraw cash from an ATM, banks usually stipulate that the daily withdrawal amount cannot exceed a certain amount.

Pawn loan

Compared with the cumbersome procedures and long cycle of banks, pawn loans have the characteristics of "short, flat and fast". The biggest advantage is that the application period is short and the processing speed is fast, which can meet the urgent capital demand. Now, as long as the discerning person in the pawnshop decides that what you bring is valuable, you can get the much-needed cash in an hour or so. For collateral, the pawnshop will tell you a final redemption date (usually two to three months). If it is not redeemed after this date, the things will be handed over to the pawnshop.

Pawnshops mostly favor real estate such as real estate, and cars and gold can also be pawned smoothly. The monthly interest rate of pawn is generally around 3%, which is equivalent to the annual interest rate of more than 30%.

Because of its simple procedures, hundreds of thousands of yuan of funds can be completed in one or two days, so it is acceptable for some people who need to borrow funds in the short term.

Is it cost-effective to repay the mortgage in advance-small interest can come in handy

Mortgage is a great pressure for most young people. When we have some spare money, should we consider repaying the loan in advance? Many people will consider this problem. After all, the loan is still owed to others. For most traditional China people, owing money doesn't feel good. Here is a detailed explanation of whether it is cost-effective to repay in advance.

How to repay in advance is cost-effective

Xiao Li bought a suite of 6.5438+0.2 million yuan and borrowed 500,000 yuan from the bank for 20 years. After a while, Xiao Li saved 65438+ ten thousand yuan in his own hand. He intends to return the 654.38 million yuan to the bank in advance. Let's calculate:

Take the provident fund loan with the lowest market interest rate in 20 14 years as an example. The current provident fund interest rate is 4.5%, the loan amount is 500,000, and the loan is 20 years. Find a mortgage calculator online to calculate. After 20 years, the total repayment amount is 759,000 yuan.

If we have 654.38+million yuan in hand, we will repay the loan in advance one year later; After 20 years, our total repayment amount has become 605,000 yuan. From this calculation, the total repayment amount is reduced from 759,000 to 605,000, which can be reduced by 6,543,800+054,000 yuan.

Some people may ask, what should I do if my mortgage interest rate is higher? For example, if the mortgage interest rate is the benchmark interest rate 1. 1, the mortgage interest rate is as high as 7.205%. Is it appropriate for them to prepay? Let's calculate:

The same loan is 500,000 yuan, and the principal and interest will be 945,000 yuan after 20 years; If the repayment is made in advance after the same year, if the repayment is 654.38 million yuan in advance, the repayment amount of principal and interest will become 753,000 yuan after 20 years. The repayment amount decreased by 6,543,800 yuan+0.92 million yuan.

Comparison of savings between prepayment provident fund and commercial loan

This shows that if you are enjoying a provident fund loan or a 30% interest rate, you don't have to rush to repay it. Early repayment of commercial loans will save money and be more cost-effective. If you choose a combination of commercial loans and provident fund loans, you must pay off the commercial loans first.

In the first few years of the loan, due to the large principal base, the interest is correspondingly high. Therefore, in the past few years, especially in the first five years, we must strive for more repayment, so that the principal base of the total loan will be reduced and the interest burden of the remaining loans will be reduced accordingly.

What if you don't repay in advance and don't invest? We take this 6,543,800 yuan as an example to invest in the simplest five-year time deposit. For example, the interest rate of a five-year time deposit is 5.225%, and it will be renewed for another five years after the expiration of five years until it reaches 20 years. How much money will we get in 20 years? The total principal and interest is 253,000 yuan! This is also a great gain.

In these cases, it is not recommended to repay the loan in advance.

Many people like to repay their loans in advance and don't like to owe money to the bank. But for the current concept of financial management, if the value of funds is not fully utilized, it is a great waste of funds. If you can find an investment product whose income is higher than the loan interest rate, you can completely offset the interest generated by the loan by earning income from investment.

If you run a business at home, you need more liquidity, and it is not recommended to repay in advance. According to analysis, the annualized rate of return of ordinary businessmen is often above 10%. Besides, businessmen often need to borrow money. If they use the money and then go to the bank for a loan, the interest rate is often higher, and it is not recommended to repay the loan in advance.

It is not recommended for families with weak anti-risk ability to repay loans in advance: for example, Mr. Zhang, 40 years old, has an annual income of about 300,000. His wife takes care of two children at home full-time. The family property is as follows: a house is occupied by itself, with a market value of 3 million, a mortgage of 6,543.8+0,000, and a monthly payment of more than 6,000. At present, the family cash deposit is about 654.38+10,000 yuan. Is this 65438+ ten thousand yuan used to repay the mortgage in advance or to invest? Have surplus grain in your hand, but don't panic in your heart. As an ordinary family, it is necessary to keep a family reserve fund in case of accidents. In this case, prepayment is not recommended.

Who is suitable for prepayment?

First, people who don't want to be in debt and don't want to bear too much pressure in life, the key is to be light and debt-free. After all, buying a house is for living. If the loan is such a heavy burden that you can't eat well or sleep well, you should pay it back in advance.

Second, people who have just bought a house and are in the early stage of repayment. Due to the initial repayment of the loan, the principal base is large and the interest is correspondingly high. If you have idle funds on hand and have no good investment direction, it is also a good choice to repay the loan in advance.

Third, I hope to use the house as a financing tool and get more loans from banks. In recent years, house prices have risen rapidly, and the evaluation value of some houses has risen a lot compared with the initial purchase. If you pay off the mortgage loan and borrow from the bank with real estate mortgage, you can often get a larger credit line.

How to entrust others to handle loans?

Usually, applicants need to attend the loan financing business in person, but some applicants can't do it in person for various reasons and want to entrust others to do it. I would like to remind you that it is best to apply for a loan and handle the loan business in person. If you really don't have time or have special reasons, you can also entrust it. Finally, sign it and take a private trip. Under normal circumstances, if the loan can be successful, the borrower only needs to go to the lending institution twice. The first time is to submit application materials and apply for a loan. If the loan can be approved, the second time is for the borrower to sign a loan contract with the lending institution and wait for the loan. Because the borrower's personal signature is required in the process of handling, the borrower needs to be present in person. Many borrowers often don't understand why the signature can't be signed by others. In fact, the reason is very simple because the loan contract, loan application and other documents have legal effect, so once they take effect, the borrower must fulfill the repayment obligation, and in the future, if the borrower fails to repay the loan, he will also bear the corresponding responsibilities. If you want to entrust others to help with the loan business, there are actually two situations: the first is to entrust a professional loan intermediary to help; The second is to entrust individuals to help with loans. But in fact, in both cases, they can only assist in handling it, and finally the applicant has to sign it himself. If you entrust a professional loan intermediary, you should first find a formal loan intermediary. Although the advertisements of loan intermediaries are flying all over the sky now, most of them are informal small intermediaries, and the service quality and safety are not guaranteed, so formal loan intermediaries have corresponding guarantees. Secondly, it should be handled in accordance with standardized procedures, and never resort to fraud for the sake of loans. In order to take shortcuts instead of normal procedures, it is easy to leave hidden dangers and loopholes, from economic losses to legal proceedings. After entrusting an intermediary, you must sign a formal contract and communicate in time to ensure the smooth handling process. If it is entrusted to a private person, it may be necessary to issue a legally binding power of attorney, and others will handle the relevant loan procedures on behalf of the applicant. Without this power of attorney, others can't handle things for the applicant. In this case, the best person to entrust must be someone who is familiar with loan-related knowledge and honest and trustworthy. Otherwise, if the other party deliberately sets a trap, it is easy to cause money loss.