Legal basis:
Article 35 of the Commercial Bank Law
Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36
When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
Where is the most reliable and direct loan? Moreover, compared with other loan methods, online lending platform is convenient to apply for loans and fast to lend. However, when applying for online loans, pay attention to choosing a formal platform, which can better protect personal interests and information security. At the same time, be careful not to pay the fees before the loan to avoid being cheated.
1, microfinance
Micro-loan is a personal credit loan product under Weizhong Bank, which supports repayment with loan, and the longest repayment period is 20 installments. After the user applies for a loan, he can repay it with the loan, and the amount can be recycled. It can be paid within 15 minutes at the earliest, which is very suitable for users who need money urgently. The minimum daily interest rate of small loans is 0.02%, and the maximum loanable amount is 200,000 yuan.
3, the degree is small and full
Du Xiaoman, formerly known as Baidu Finance, is a financial service platform under Baidu. It has officially completed the spin-off financing and is independent from Baidu. The maximum amount that users can apply for in the micro mall is 200,000 yuan, and the longest one can choose 24 installments, and the minimum annual interest rate is 7.2%. ↓↓↓ Click below to measure online! ↓↓↓
Data reference from: Du Xiaoman official website