Bank loans are the first choice for many people because of their low interest rate, high quota and informality. Considering that the loan may be repaid in advance, many people want to make some loans that can be repaid with the loan. In fact, many banks have such loans that can be borrowed and repaid at the same time. Here, I'll give you three hot spots.
1, e-loan from China Merchants Bank
This is a cash credit business provided by high-quality credit card holders in Zhao Hang. The maximum amount is 300,000, which can be divided into 36 installments at the longest. It supports repayment at any time and by installments.
If you choose the repayment method at any time when applying, you can repay it with the loan, but you can't enjoy the interest-free period. Interest is calculated at the daily interest rate from the date of borrowing, and the bill is paid monthly, with compound interest, and is calculated in advance to the repayment date.
Only credit card holders can apply for e-loan from China Merchants Bank. You can check whether you are qualified through China Merchants Bank mobile banking, Pocket Life APP or credit card customer service hotline.
2. Everbright e-second loan
Guangfa Bank's pure credit personal consumption loan, with a maximum amount of 300,000 yuan, can be applied online without mortgage guarantee or providing any information. It can be approved in real time at the earliest, with interest calculated on a daily basis, and it can be returned as you borrow. If it is a one-year loan, you can pay interest on a monthly basis first, and then repay the principal when it expires. The repayment pressure is not so great.
Citizens who have reached the age of 25-55 weeks, have a record of paying wages with provident fund, social security, individual tax or Guangfa credit card, have good credit and have a stable income can apply through the official website channel of Guangfa Bank, subject to the bank's approval results.
3. Xingye Xingshan Loan
The exclusive loan business provided by Industrial Bank for high-quality customers has a maximum amount of 300,000 yuan and a maximum loan period of 3 years. You can easily apply on your mobile phone without going to the outlet, without mortgage guarantee and credit application.
After the loan is released, the funds will be paid soon, and only the interest will be paid every month, and the principal will be paid when it expires. Support to pay interest according to how many days it takes, without paying prepayment fee.
Age limit for loans
65 years old.
1. According to national regulations, the age of the friend applying for a loan should be over 18 years old.
2. Different lending institutions have age restrictions on lenders of different loan products. Generally 18 years old, under 65 years old.
3. For some loan products, the age is limited according to the gender of the lender. The age limit for female applicants is over 22, while the age limit for male applicants is 20.
What are the loans that Ping An Bank can borrow and repay?
Ping An Bank's loans are as follows: Ping An White Collar Loan is a credit loan product launched by Ping An Bank at the initial stage. The target customers are the working class of high-quality enterprises with stable income and good credit record. The maximum loan amount can reach 6.5438+0 million.
What loan apps can I borrow?
Fast loan approval is a concern of many applicants, but there is another point that loan applicants also attach great importance to when choosing loan products, that is, whether they can repay the loan with it. Because the repayment period of many loan products is "strangled", it is necessary to repay on time and pay the service fee in advance, which increases the loan cost. So what loan apps can be borrowed? Let's summarize it for everyone.
First, ants borrow it.
In the past, ants had to repay the loan on time, but the version borrowed by ants realized the return with the loan. After the lender applies for a loan, the interest is calculated on a daily basis, and the interest is no longer calculated according to the principal repaid in advance, which greatly reduces the repayment pressure of the repayment person.
Second, Suning pays at will.
Suning's free payment, in which the cash loan provides the function of borrowing and returning, can be borrowed for up to 30 days, and the daily interest rate is six ten thousandths.
Third, Pufa borrows money all year round.
Users who apply for universal loans can borrow for up to 90 days, which can be repaid with the loan. Interest is calculated on a daily basis, which is 0.05% of the principal.
Ping an pu hui
Ping An Pratt & Whitney provides large loans with loans and repayments, but the interest rate is also high, with a daily interest rate of one thousandth.
5. Baidu has money to spend:
The loan is 65,438+0,000 yuan, the daily interest rate of the loan is between 0.02% and 0.065%, and the loan term has four options: 3, 6, 65,438+02 and 24 months. In addition to timely repayment, you can also borrow it and return it.
remind
Generally, the loan interest rate that can be borrowed and repaid will be much higher than the loan interest rate that can be repaid regularly. Friends who apply for loans must make reasonable choices to avoid increasing repayment pressure.
What are the loanable and repayable credit loans?
Credit loan with loan and repayment refers to a credit loan product with flexible repayment period and free repayment. This loan product is characterized by daily interest. The following are credit loans that are borrowed and repaid:
1. Loan: Loan is a credit loan product with daily interest. Even if the repayment period is agreed, it can be repaid by loan. The daily interest rate of this product is between 0.0 15%-5%.
2. China Post Wallet: supports daily interest calculation and loan repayment. It mainly provides loans of less than 200,000 yuan, which can be directly used for road payment.
3. Baidu has money to spend: the daily interest rate can be as low as 0.0 1%, and the loan period can reach 24 months and 36 months, of which 200,000 is a full-time loan and 300,000 is an exclusive loan.
4. Comfortable flowers: the daily interest rate is between 0.02 and 0.0483%, and the loan amount can reach 50,000 yuan, which can be used for cash withdrawal and installment.
5. Little Black Fish: The loan amount is 50,000 yuan, and the minimum daily interest rate is 0.0 15%. This product adopts the membership system, and the loan can only be obtained after becoming a member.