(1) Bank of China, wage loan.
1, the amount: 2-3 times the annual income of employees, and in principle, it shall not exceed 500,000 yuan. The company can issue proof of income, supplemented by bank salary and social security certificate to help you increase the loan amount. It should be noted that you should pay attention to your credit status and avoid bad credit records, otherwise it will directly affect the success rate of loans.
2. Term: generally one year, which can be extended to three years depending on the purpose of the loan. Under normal circumstances, without special circumstances, the bank can easily grant you three years, and the length of the term is also related to the loan amount, because the bank needs to assess your monthly repayment ability.
3. Use: The loan can be used for all legal and compliant consumer expenditures such as home improvement, car purchase, education and medical care, and relevant invoices are required for consumer expenditures.
4. Requirements: Although the bank claims that there is no need for mortgage guarantee, I still hope that you'd better find a company, friend or colleague to issue guarantee materials. There is a tricky condition that the guarantor is required to provide proof of bank deposit. For example, if you need a loan of 65,438+million, then the guarantor's account needs to have a deposit of 65,438+million.
5. Expected annualized interest rate: the monthly interest rate is 6%, that is, 0.6%, which is equivalent to the expected annualized interest rate, about 10%. Loan 1 1,000 Yuan, which will be repaid to 6 yuan every month. Due to the high loan threshold, this expected annualized interest rate is in a very low category in the industry.
(2) Ping An Bank. New loan
1, OK: Generally speaking, it does not exceed 500,000 yuan.
2. Duration: generally, the longest is 5 years, which is assessed according to the applicant's credit status and income level.
3. Use: legal and compliant consumption expenses are acceptable, provided that you provide relevant invoices.
4. Requirements: No guarantee is required, and the applicant is required to be 25 to 55 years old, with a monthly income of more than 4,000 yuan and no bad credit record.
5. Expected annualized interest rate: the monthly interest rate is 1.79 points, that is 1.79%, which is equivalent to the expected annualized interest rate and should be above 20%. Loan 1 000 yuan, monthly repayment 17.9 yuan. See the gap compared with the Bank of China. Due to the low loan threshold, the expected annualized interest rate is really.
Citibank. Happy time loan
1. quota: the quota is low, the approval conditions are very strict, and the risk control requirements are high. Except for very high-quality customers, it generally does not exceed 200,000.
2. Duration: generally no more than 3 years, which is assessed according to the applicant's credit status and income level.
3. Use: legal and compliant consumption expenses are acceptable, provided that you provide relevant invoices.
4. Requirements: No guarantee is required, but materials are strictly reviewed, including income certificates, social security records, bank accounts, credit reports, etc. Their purpose is to prove that the more materials, the better.
5. Expected annualized interest rate: monthly interest rate 1.3 points, i.e. 1.3%. Customers with good credit records can get the expected annualized interest rate 1. 15%, which is equivalent to the expected annualized interest rate 16% and the loan 100.
(4) Standard Chartered Bank. Cash lending school
1, OK: Generally speaking, it does not exceed 500,000 yuan.
2. Duration: generally, the longest is five years, and the duration can be basically determined according to the wishes of the applicant. I feel that the longer the loan manager waits for you to borrow, the better.
3. Use: Legal and compliant consumption expenditure is acceptable, provided that relevant invoices are provided and the basic information of invoices will be recovered.
4. Requirements: no guarantee, no bad credit record, strict requirements on the surface, all kinds of recording and photography, but the general manager will tell you the matters needing attention in detail.
5. Expected annualized interest rate: monthly interest rate 1.75%, i.e. 1.75%. Customers with good credit records can get the expected annualized interest rate of 1.45%, which is equivalent to the expected annualized interest rate of 19%, and the loan of 1 1,000 yuan will be repaid on a monthly basis.
(5) Other banks
The above banks basically require equal repayment of principal and interest, but I heard from friends that there is a kind of loan in Bank of Ningbo that pays interest on a daily basis, pays interest on a monthly basis, and repays the principal at maturity, which is very attractive to customers who are short of funds at the initial stage. Roughly calculated, the expected annualized interest rate is between Citibank, Happiness Loan and Standard Chartered Bank. If you are interested, you can learn about it.
Suggestions on applying for bank loans
(1) Always pay attention to personal credit records. Basically, every bank has very strict requirements on credit records, especially the rich with credit cards. Don't make overdue payments. If you want to know about personal credit, you can check it through China Bank Credit Information Center (website:);
(2) If the guarantee ability is strong, you can choose the four major state-owned banks, and the interest rate is absolutely the lowest. If the guarantee and mortgage ability is not strong, the focus should be on commercial banks, such as Guangfa Bank, Citibank, Bank of Ningbo and other smaller banks.
(3) Go to several banks to learn about the policy. Every bank will have some preferential loans on a regular basis, and it is expected that the annualized interest rate may save you a lot of money.