What are the online banking loans?
1, China Construction Bank
The fast loans of China Construction Bank include: fast e-loan, financing e-loan and pledge loan. Customers can apply for and sign contracts online through self-service and approve them in real time. The loan amount ranges from 1000 yuan to 50 thousand yuan, and the maximum loan amount for financial and private customers can reach 500 thousand yuan. The longest loan period of quick loan is one year, which can be recycled, and the annual interest rate of the loan is about 5.6%.
2. China Merchants Bank
China Merchants Bank's lightning loan, customers can check the loan amount of China Merchants Bank's active credit through mobile phones, and it will arrive in 60 seconds at the earliest. Loan amount: the salary paid by individuals is less than 300,000 yuan, and the credit amount of business owners is generally less than 200,000 yuan. The loan term is divided into 1 year and 2 years; Enterprises are divided into 1 month, 2 months and 1 year.
3. Shanghai Pudong Development Bank
Puyin integral loan of Shanghai Pudong Development Bank has a loan amount of 2000 to 300,000, the longest loan period is one year, and the annual interest rate of the loan is about 8.28%. The characteristic of Puyin integral loan is that it can be repaid in advance without charging any fees.
4. Guangfa Bank
Both E-second loan and E-second loan of Guangfa Bank are revolving credit models, and a five-year revolving credit line can be obtained with one application. The loan amount is 5,000 to 300,000. The annual interest rate of the loan is about 8.3%, which is more suitable for working-class and private owners to apply. Interest is calculated on a daily basis, without withdrawal or interest.
What should I pay attention to in online lending?
1. Determine the repayment period and loan amount of the bank, and choose a platform that is suitable for you, profitable and controllable in risk. The higher the return on investment, the greater the investment risk.
2. Compare the lending platform. If there is bank depository, the fund management will be more standardized and safer.
3. Look at the transparency of the operating data and information of the lending platform. Investment and lending with good business data are more reliable.
Bian Xiao concluded: The above is the related content of online banking loan, and I hope it will help everyone.