Which platform loan is easy to use?

Platform loan: The following platforms are easy to use:

1. Youqianhua: Youqianhua is a credit service under Baidu The product has always had a good reputation and the lending speed is relatively fast. It can meet your daily borrowing needs. You can borrow whenever you want, which is very convenient. The maximum amount is 200,000 yuan, and the average daily interest for borrowing 10,000 yuan for one year starts at 1.1 yuan. The better your credit, the lower the interest rate.

2. Jiebei: Jiebei is a pure credit loan product launched by Alibaba's Alipay. It is issued based on the consumption situation and repayment ability of Alipay users. Ordinary users can only have a Zhima score of 600 or above. Opportunity application is open. According to Sesame Score, the loan amount is 100,000-300,000, the minimum daily interest rate is 0.02%, the loan period is 12 periods, and it supports borrowing and repaying at any time. It has always been a conscientious loan platform.

3. Huanbei: Shanghai Shuhe Information Technology was established in 2015 and launched Huanbei products in 2016. The major shareholder is Focus Media, a listed company (stock code: 002027). The shareholders include: Focus Media, Sequoia Capital, Cinda Investment, Noah Wealth, Sina, etc.

4. Weilidai: WeBank is the first Internet bank under Tencent. Its products include Weilidai, Weikedai, etc., and is committed to providing fast financial services to small businesses and individual consumer groups.

5. Paipaidai: Founded in 2007, Paipaidai is a p2p financial platform listed on the New York Stock Exchange. Paipaidai products are mainly divided into individual bids and rainbow bids. Currently, it provides users with credit loans with a maximum loan amount of 200,000, and the monthly loan interest rate is about 1%. Users can choose appropriate loan products based on their needs.

Is there any loan platform that is reliable and easy to pass?

There are many loan platforms that are easier to pass the loan review, such as Anyihua of Immediate Consumer Finance and 360 Digital 360 IOU, China Merchants United Finance’s Haofidai, Ctrip Finance’s Borrowing Flower, JD Gold Bar, as well as Baimao Loan, Huaya Loan, etc.

Basically, customers must be over 18 years old, have full capacity for civil conduct, have stable income, and have the ability to repay the principal and interest of the loan on time; maintain good personal credit, and the loan can be successfully approved without any surprises. Customers only need to provide their ID card and bank card when applying.

Of course, the final approval depends on the comprehensive evaluation results of the system.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

If you need it, I recommend you to use Du Xiaoman, the original Baidu Finance. It completed the split in 2018 and realized independent operations. The company background is a financial information technology company established in Chongqing with a registered capital of 300 million yuan. , a formal licensed operation, mainly providing credit services for Youqianhua, with Baidu brand background and technical support.

In addition, Du Xiaoman also has financial management, wallet payment, insurance brokerage and other businesses, and has obtained a securities and futures license, a payment business license and an insurance intermediary license accordingly. The licenses are complete and open to the public, complying with national supervision. .

You have money to spend, the loan amount ranges from 500 yuan to 200,000 yuan, the annualized interest rate starts at 7.2%, and the one-day interest for borrowing 10,000 yuan starts at 2 yuan. The loan term is long, and the loan can be borrowed on a daily basis and can be borrowed the next day. Also, interest is calculated on a daily basis, no mortgage, pure credit, full process online application with ID card and bank card, approval in the fastest 30 seconds, payment in 1 minute, without any hidden charges.

Using Baidu's artificial intelligence and big data risk control technology, personal information is encrypted and monitored and protected throughout the process. Every time a loan is issued, verification items such as passwords are required, and the loan can only be made to the lender himself. You can use the bank card in your name with confidence.

Banks invest the concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

Basic provisions for loans

Loan targets: Chinese citizens aged 18 to 60 with full capacity for civil conduct.

Loan limit: After the borrower provides a pledge, mortgage, third-party guarantee approved by China Construction Bank or has certain credit qualifications, the bank will determine the borrower's corresponding pledge limit, mortgage limit, guarantee limit or credit limit.

The pledge amount shall not exceed 90% of the face value of the pledge rights certificate provided by the borrower; the mortgage amount shall not exceed 70% of the assessed value of the collateral; the credit limit and guarantee limit shall be determined according to the borrower's credit rating.

Guarantee method: in the form of mortgage, pledge, third-party guarantee or credit approved by China Construction Bank.

I myself had business turnover needs before and used several products. In fact, each small loan platform has an internal application entrance, with low interest rates, easy disbursement, and high credit limit! Scan the QR code below to enter!

What kind of loan is easy to borrow and easy to disburse?

Loans are divided into the following five types

1. Credit loan

Credit loan is currently the most popular loan method. The borrower only needs to provide ID card, You can obtain a loan with proof of employment, income, purpose of loan, etc., and your personal credit status is good.

2. Mortgage loans

Mortgage loans often have relatively low loan interest rates, which put less pressure on borrowers to repay the loan, and can be used to mortgage houses, vehicles, etc.

3. Entrepreneurship Loans

Nowadays, the state has supportive policies for entrepreneurship. Common loans include loan subsidies and interest-free loans.

4. Personal business loans

To apply for a personal business loan, you need to have full civil capacity, have a local household registration, a fixed local business location, and stable income. And need to provide legal collateral.

5. Student loans

There are four main forms of student loans, namely national student loans, student credit student loans, and colleges and universities using national financial funds to provide students with Interest-free loans and commercial student loans. Student loans do not require guarantees and mortgages. Students can apply for loans from banks through their schools and repay them in installments after graduation.

Common types of bank loans

We usually go to the bank to apply for loans, mainly applying for credit loans, mortgage loans, mortgage commercial loans, provident fund loans, guaranteed loans, policy loans, etc. .

A credit loan refers to a loan in which the borrower does not need to provide a guarantee, but is issued based on the creditworthiness of the borrower;

A mortgage loan is a loan in which the borrower provides certain collateral as a loan Guarantee, a kind of loan issued to guarantee the repayment of the loan when it is due;

Mortgage commercial loan is a kind of loan in the form of mortgage, generally referring to a housing mortgage loan, that is, to use the purchased house as a guarantee. Loans that are mortgaged and provided with periodic guarantees by developers;

Provident fund loans are loans that can be enjoyed by employees who have paid housing provident funds;

Guaranteed loans are made with a third party as the borrower Loans issued on the condition that corresponding guarantees are provided;

Policy loans are loans issued on the basis of the cash value of life insurance policies as guarantee.

Which bank is good for loans

ICBC is good.

1. Industrial and Commercial Bank of China

ICBC's comprehensive personal consumption loans have relatively wide range of consumption uses, higher loan amounts and longer loan terms.

2. China Merchants Bank

Chinese Merchants Bank’s credit loans can be issued in installments according to customer needs. The sum of the amount of each loan shall not exceed the approved loan amount. The loan period of each loan shall not exceed the approved loan amount. Same, the repayment method is the same.

3. China Construction Bank

China Construction Bank has a high loan limit, a wide range of consumer uses, and low loan interest rates. The interest rate of the quick e-loan launched by China Construction Bank is about 7.6%.

4. Industrial Bank

The credit period of Industrial Bank’s personal comprehensive consumption limit can be up to 10 years. The quota can be used repeatedly within the credit period, and the used quota can be restored after the loan is repaid.

Extended information

Things to note when applying for a loan are as follows:

1. The information provided to the bank must be true, and the address and contact information provided must be accurate. The bank must be notified in time;

2. The purpose of the loan must be legal and compliant, and the transaction background must be true;

3. Choose one that suits you based on your repayment ability and future income expectations. Repayment method;

4. When applying for a loan amount, you must act within your ability. Usually, the monthly repayment amount should not exceed 50% of the total household income;

5. Read the terms of the contract carefully and understand own rights and obligations;

6. Repay the loan on time to avoid bad credit records;

7. Do not lose the loan contract and IOU. For mortgage loans, after paying off the loan Don't forget to cancel the mortgage registration;

8. Early repayment must be communicated with the bank one month in advance before it can be processed.

9. When applying for commercial loans to foreigners, banks generally require borrowers to have a stable income in the local area and to go to the place of residence to issue a household registration certificate (some banks also require an office certificate), while house purchase guarantees The company's requirement for foreigners is that they must have local income and apply for a temporary residence permit.