It is recommended to apply for a loan through formal bank channels, which can better protect your personal interests and information security.

If you must borrow from the network platform, it is recommended to choose the following:

1, Qianhua: Qianhua APP is a big brand of credit service. It is a pure online application, and there is no mortgage. The application materials are simple, the fastest time is 30 seconds, the fastest time is three minutes, the highest is 200 thousand, and the daily interest rate is as low as 0.02%.

2, ant borrowing: Ant borrowing is a loan service launched by Alipay, and the application threshold is sesame score of 600 or more. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the lowest monthly interest rate is 0.45% and the highest is 1.8%, which can be repaid with the loan.

3. Micro-loan: Micro-loan is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. The user invitation system is adopted, and the monthly interest rate is between 0.6%- 1.5%, which can be repaid as you borrow it.

Second, loans.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Third, the principle of loan.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.