1. Amount ≤ 3W:
It is generally recommended to use a credit card to cash out, and use Alipay’s Huabei, Jiebei, etc. for loans. Generally, the interest rate is relatively low and it is convenient to use.
2. Amount ≤10W:
Guaranteed loans are good. You may be able to find a guarantor at the rural credit cooperative in your hometown. Credit companies all require someone to have worked for more than half a year, or have a business license for more than one year, which is not possible for self-employed people who are just starting out.
3. Amount ≤ 50W
How many years do you want to repay 500,000? It can be one year, two years, three years, or five years. If there is collateral, it is recommended to apply for a mortgage loan. The interest rate of the mortgage loan will be lower than that of the credit loan. According to the purpose of the loan, it can be regarded as a consumer loan. The interest rate is more than 30% above the base interest rate. Of course, if you have an acquaintance, it can be less. The repayment method can be equal amounts of principal and interest, monthly interest repayment and annual principal repayment, or monthly interest repayment of principal at maturity. Banks generally prefer equal repayment of principal and interest. In view of the actual situation, it is recommended to apply for a mortgage consumer loan. The interest rate and repayment method can be discussed with the bank.
4. Amount ≥100W
To be honest, at this point you usually have a relationship with the bank. You can get a loan if you think of some way. Because most people cannot borrow this amount.
Any amount exceeding this amount is generally used to start a business. I suggest you go for investment. Companies that are just starting out will not provide loans. The only option is to attract venture capital or angel funds.
If you have a stable job, I suggest you get a business loan. At present, the country has liberalized personal consumption loans, and many banks have this loan product. However, banks like to be high-quality customers and entrust such small loan products to some professional financial institutions, so ordinary people do not know much about it. However, I would like to remind you that before you get the loan, you will be charged deposits/handling fees/loan interest, etc., so be careful. In fact, now that the country has opened up personal consumption loans, many banks have many personal loan products. However, banks like to serve high-quality customers and entrust these personal loan products to some professional financial agencies, such as Yidai China. The exact steps and conditions for a loan vary based on each person's situation. It is recommended that you go to the website first to learn about the various loan products of major banks in China, and then choose the product that suits you: , this summary provides a detailed introduction to the various personal loan products of each bank, including the application conditions. , interest rate, application amount, etc. You can then choose to go to the bank or apply directly online. Generally, the specific loan interest rate is determined by a variety of factors, such as the applicant's personal or corporate qualifications, the security conditions such as mortgages and pledges, and the nature of the funding institution. ?Different applicants and loan types require different application materials. Common personal information such as: identity certificate, work certificate, residence certificate, etc.; business application information such as: business license, financial statements, loan cards, etc.; mortgage loans such as real estate, cars and other financial resources; credit loans such as income certificate, bank card pair Bills etc. ?Now there are two ways to apply for a loan, one is to go directly to a bank or financial institution for a loan, and the other is to apply for a loan directly on a website entrusted by the bank, such as the Yidai China website. General website application steps: First go to the website to submit personal information and materials - bank personnel receive your personal information and review it - bank personnel contact you, inquire about your situation, and recommend loan products suitable for you - Reach *** knowledge.
5. If you are buying a house, you can use a housing provident fund loan.
1) The interest rate of housing provident fund loans is lower than that of commercial bank housing loans. The annual interest rate of provident fund loans for less than five years (including five years) is 4.14%, and the annual interest rate of commercial banks for 1-3 years (including 3 years) is the lowest. 5.427%, and the lowest is 5.508% for 3-5 years (including five years); the annual interest rate of housing provident fund loans for more than five years is 4.59%, and the lowest personal housing loan interest rate of commercial banks during the same period is 5.751%.
2) The advantages of the housing provident fund are: 1. The procedure is convenient. The borrower only needs to go to the bank providing the provident fund loan once to complete the loan application procedure if he brings all the documents; 2. Time Short, it only takes 8 working days from the bank accepting the application to issuing the loan; 3. The interest rate is low, the current interest rate for a first-home loan with a term of more than 5 years is 3.25%, which is 1.9 percentage points lower than the benchmark interest rate of commercial bank housing loans; 4. The down payment is low. If an employee family buys their own house, they only need to pay 20% of the down payment to apply for a provident fund loan; 5. To offset personal tax, the housing provident fund loan interest paid by employees will not be included in the employee's personal income tax payable income; 6. Repayment is convenient. The borrower can use the provident fund of himself and his spouse to repay the loan principal and interest on a monthly basis. The borrower can also use the provident fund account balance to offset part of the loan principal and interest in advance, reducing the pressure of loan repayment.
When people often need to make money on their own and have no cash around them, they are embarrassed to borrow money from relatives and friends. According to a Rong Rong survey, about 50% of people will choose to pay a certain amount of interest for a loan from a financial institution. . Each financial institution has different loan conditions and interest rates, so we need to shop around when applying for a loan. So, which bank has the lowest loan interest rate? What's the lowest interest rate on a loan? For friends who have needs in this area, it is one of the topics worthy of attention. If you still have questions about how to get the lowest loan interest, you might as well follow me to learn more about loans.
Alipay loan VS bank loan, which one has lower interest rate
It is understood that the daily interest rate of Alipay loan is 0.045%, the annual interest for 1,000 yuan is about 90 yuan, and the converted annual interest rate is 16.425 %. The current one-year bank loan benchmark interest rate is 5.35%. It can be seen that compared with Alipay Borrowing and bank loans, the former’s interest rate is several times higher! But if compared with bank unsecured loans, the interest rates of both Not much different. At present, most bank unsecured loan annual interest rates average between 14.5% and 20%.
Credit card cash withdrawals are based on a daily interest rate of 5/10,000, which translates to an annual interest rate of 18%, and generally only 2,000 yuan of overdraft cash can be withdrawn in a day. From this point of view, Alipay’s borrowing interest rate is equivalent to 10% off the annual interest rate of a credit card.
Although Alipay’s borrowing interest rates are not low, its loan threshold is low. Users with a Zhima score of 600 or above can apply for loan amounts ranging from 1,000 yuan to 50,000 yuan, and can borrow and repay at any time.
There are no complicated procedures and tedious application materials like bank loans. Alipay Jiebei can judge and check the user's credit level just by relying on Zhima credit score, and complete the loan in 3 seconds. In the eyes of many borrowers, a higher interest rate is worthwhile! It depends on how you choose~
Which bank has the lowest loan interest
If you want to pay low loan interest, Then home mortgage loans should undoubtedly be the first choice for home owners. The reason is that the bank's pricing system is complementary to the risks it bears. Therefore, due to the existence of collateral, banks charge relatively less interest when risks are basically controllable.
However, specifically, there are subtle differences in the charging standards and application thresholds of each bank. Taking the Beijing area as an example, we searched for a one-year housing mortgage loan of 500,000 yuan from the Rong360 loan search platform. The results showed that: Industrial and Commercial Bank of China, Bank of China and Bohai Bank, the three banks have the most affordable housing mortgage loan prices. The monthly interest rates are 0.49%, 0.51% and 0.54% respectively, which are only slightly higher than the base interest rate.
It can be seen that if you want to know which bank has the lowest loan interest rate, you can find it with just one search. Therefore, price-conscious borrowers may wish to follow suit and find the most competitively priced bank in your city. Of course, we also need to remind you that it is good to have low loan interest rates, but you must meet the bank's application requirements, otherwise the loan will most likely be rejected.
Of course, if you can’t get a real estate certificate, you can also turn your attention to the unsecured loan market. If your personal qualifications are good enough, you can enjoy a loan that is comparable to a home mortgage loan without providing collateral. We used the same search method and found an unsecured loan product with a lower interest rate on Rong360 - Jiangsu Bank Jubao Card (Consumption Installment). The interest rate for a 1-year loan of 50,000 yuan is 3,000 yuan. In terms of application conditions It’s not high either. The punch-in salary is only 3,000 yuan, which is covered by local social security.
Of course, if you want to have more choices, you can search on the Rong360 loan search platform. In addition, if you want to maximize savings on loan costs, you may wish to scroll your mouse and get more practical tips from the "Extended Reading" section below.
Warm reminder:
1. When applying for a loan, the borrower must make a correct judgment on his or her repayment ability. Design a repayment plan based on your income level, and leave appropriate room for it so as not to affect your normal life.
2. Choose a suitable repayment method. There are two methods of equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it cannot be changed during the entire loan period.
3. Make monthly repayments on time to avoid penalty interest. Starting from the next month after the loan is initiated, the loan is generally released on the repayment date in the next month. Don't incur default penalties due to your own negligence, which will lead to failure to approve the bank's loan application again.
4. Keep your contract and IOU properly, and read the terms of the contract carefully to understand your rights and obligations.
How to get the lowest loan interest
Bank loan interest is as low as 5% and the mortgage is magnified by 150%
Mr. Yang said that Pinxin Financial is committed to creating the first Chengdu interest rate A low-cost, fast-disbursing financial service loan platform. Through the green channel opened by Pinxin Finance, customers can get the money on the same day with the full payment of the house and enjoy bank interest. In view of the different requirements of banks, Pinxin Financial has launched a bank interest rate that is 20% lower than that of the same period in accordance with the latest bank policies, and bank loan interest rates are as low as 5%. There are various repayment plans including borrowing and repaying at any time, interest first and then principal, and repaying principal and interest when due. The term is up to 30 years, and residential and commercial properties can be enlarged by up to 150%. Moreover, one loan can be used to offset multiple loans, with a higher limit and faster disbursement. There are only three steps to get a successful loan: contact Pinxin Financial, apply for it, and get the loan successfully, making the loan as easy as shopping.
Loans can also be applied for with mortgages on houses, cars and commercial insurance
“As long as you have a mortgage on a house, a mortgage on a car, or have purchased commercial insurance, you can apply for a loan. No mortgage required, timely approval , make loans on the same day and enjoy ultra-low bank interest." Luo Qin, the business manager, said that in actual business, some customers are unable to obtain normal loans from banks due to problems such as credit reporting, collateral, and repayment history. Pinxin Finance will design and match the best loan plan among 35 banks based on the actual situation of the customer. The green channel opened by Pinxin Financial can also apply for low-interest bank loans with contracted houses or vehicle registration certificates. Moreover, mortgaged houses can be refinanced with interest first and then the principal, and the funds can be received as soon as the same day.
Quickly borrow bank interest and get money on the same day
If you have a fully paid house, a fully paid car, a contracted house, a mortgaged house (including residences, shops, offices), or a car loan guarantee, apply for a quick loan , you can get the money on the same day; business and personal loans are advanced through the bridge, with high limits, fast disbursement and flexible methods. In the Pinxin Financial Hall, the author saw Ms. Li, who was doing foreign trade business, facing a funding gap of 3 million yuan. Through a friend's introduction, Ms. Li called the Pinxin Financial loan hotline: 86203336, and got a loan of 3 million yuan that afternoon. Through on-site investigation of Ms. Li's business stores, Pinxin Financial provided an additional loan of 1 million yuan.
If you want to buy a car or a house with a loan, don’t believe the so-called advertisements on the market about zero-interest loans to buy a car or a house. After comprehensively calculating the costs, you may be able to pay as much as you need to buy a car or a house through a zero-interest loan. The cost will be higher.