1, China Merchants Bank. The credit loan lightning loan launched by China Merchants Bank can get a 10% discount on Monday, and the discount rate is not lower than the annualized interest rate of 5.04%.
2. China Construction Bank. Credit loans, CCB fast loans, as low as 4.35%, but the specific interest rate needs to be differentiated according to the borrower's credit and contribution.
3. Agricultural Bank. The credit loan launched, Agricultural Bank of China Online Loan, has a maximum loan amount of 200,000, and users who sign a new one-year contract can enjoy a minimum interest rate discount of 4.35%-4.5%.
4. Postal Savings Bank provides credit loans-postal loans-up to 200,000, with an annual interest rate of 4.35%-7.05%, and adopts differentiated interest rates according to the qualifications of borrowers.
Lightning loan
Lightning loan: China Merchants Bank Lightning loan is an online loan product launched by China Merchants Bank. At present, only users who have received the invitation of China Merchants Bank lightning loan can apply for China Merchants Bank lightning loan. After the lightning loan application of China Merchants Bank is successful, the money will be distributed to the user's China Merchants Bank card within 24 hours. After the funds arrive at the CMB card, users can use the card for other operations normally, and can transfer money and withdraw cash. "Lightning Loan" is a full-line personal online loan product provided by China Merchants Bank for its retail customers. As long as the customer meets the loan credit conditions of China Merchants Bank, China Merchants Bank will take the initiative to verify the application qualification of the loan quota for the customer and notify the customer by SMS. Compared with the traditional loan business, the procedures of "lightning loan" products are simpler and more convenient. Customers can apply for loans through China Merchants Bank's mobile banking, and the China Merchants Bank system will automatically complete the loan approval and lending.
What platform has the lowest loan interest?
The following lending platforms have lower interest rates:
First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.
Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.
III. Return: Shanghai Shuhe Information Technology was established on 20 15, and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.
4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.
Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.
Loan with the lowest interest rate
The interest calculation formula of the loan is as follows:
1. If interest is calculated, the calculation formula of loan interest is: loan interest = principal interest rate, and loan term.
2. If the interest rate is calculated, the calculation formula of the loan interest rate is: loan interest rate = principal/interest rate loan period.
In fact, the execution interest rate of each bank will fluctuate. Please refer to the actual transaction interest rate for details.
2. Which bank has low interest on commercial loans?
Banks with low commercial loan interest rates include China Bank, China Construction Bank, Agricultural Bank and China Industrial and Commercial Bank.
202 1 The latest data shows that the mortgage interest rates of the four major state-owned banks are generally around 3.85%. For credit loans, the lowest loan interest rate is China Bank, and the current loan interest rate is 2.6%. After that, ICBC will repay the principal and interest in equal amount, with the longest installment of five years and the loan interest rate as low as 3%.
Note: The level of loan interest is also related to the lender's personal comprehensive qualification, loan business type, loan amount, repayment method, loan term and other factors.
Second, how to get the lowest loan interest?
1, amount ≤3W:
This general suggestion is to cash in with a credit card, use Alipay's flowers, borrow them, and so on. Used for loans, and the general interest rate is relatively low, easy to use.
2. Amount ≤ 10W:
The secured loan is good. Looking for a guarantor, maybe in my hometown rural credit cooperative. Credit companies require to work for more than half a year, or have a business license for one year, but the self-employed who just started can't get it.
3. Amount ≤50W
500 thousand, depending on how many years you want to pay back. It can be one year, two years, three years, five years. If there is collateral, it is recommended to apply for a mortgage loan, and 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, and the interest rate rises by more than 30% on the basis of the benchmark interest rate. Of course, if you have acquaintances, you can have fewer. The repayment method can be equal principal and interest, with monthly interest paid every year or at maturity. Banks generally like the repayment method of equal principal and interest. In view of the actual situation, it is recommended to apply for mortgage consumer loans, and the interest rate and repayment method can be negotiated with the bank.
4. Amount ≥100 w.
This is not easy to borrow
So much for introducing credit loans with the lowest interest rate.