The interest on credit loans and the personal qualifications of borrowers complement each other. If the personal qualifications are good enough, you will not suffer in any bank. In addition, the pricing of bank credit loans in different regions is different. Take Chengdu as an example. Comparing with many banks, we can see that the interest rate of the credit loan implemented by China Bank on 20 15 is relatively lowest, with a monthly interest rate of only 0.54%. In addition, CCB's personal credit loan has no interest, but it has a monthly management fee of 0.38%, which is not cheap.

However, although the credit loans of such state-owned banks have low interest rates, the application conditions are very strict. China Construction Bank, for example, requires a stable monthly income in Chengdu, and it must reach more than 6,000 yuan. It must have a good professional nature and need to work in the current unit 12 months. China Bank requires that the monthly income must be above 8,000 yuan, and it also requires an application history. I believe many friends can't meet this strict requirement.