I don't know if you have noticed that when you need money badly, most people will only consider "fast" and get a loan quickly. Getting money is the first thing, and then they will consider the loan amount, loan interest, loan repayment and other follow-up matters. So, how to get a quick loan? Next, let's take a look.
First, how to get a quick loan?
1, via existing credit card
If you apply for a credit card and use it well, you can borrow money quickly through the "borrowing money" service below the credit card limit such as China Merchants Bank Credit Card and log in to your pocket life. On my-limit page, you can apply for a loan and enter the e-loan page of China Merchants Bank. It can reach 4 times the credit card limit in a few seconds at most.
2. via wechat or AliPay
These two softwares can be said to be essential for mobile phones. They have a wide coverage and are in urgent need of money. You can directly open WeChat-My Service/Payment-Micro Loan, or open Alipay-My Loan, and you can apply for a loan. You can borrow and pay back, calculate interest on a daily basis, enter simple loan information, and arrive at the account as soon as 1 minute, without taking the time to download other loan apps.
Second, quick loan skills
1. Maintain good personal credit at ordinary times.
To apply for a loan, you generally need to authorize the inquiry of personal credit information first. Only by maintaining good personal credit and true and effective information can the loan be successful and get the money immediately, which is the premise of rapid audit.
2. Choose credit online loan products.
Compared with traditional bank loans, online loans based on pure credit applications are faster. Just pay attention to the formality of the loan platform, and generally do not charge any fees before lending. Don't panic, be wary of being cheated.
The above is about "how to get a quick loan", I hope it can help you.
How can I get a quick loan? All these methods can be tried.
In real life, many people will encounter the problem of funds. At this time, many people will think of loans and pay some interest to ease the situation of tight funds. So what kind of loan can you choose? Let me introduce some to you.
Alipay borrows money
Alipay is widely used in our life. When we are short of money, we can use Alipay to withdraw cash and transfer it directly to our Alipay account. However, we need to pay some interest. The amount and interest of borrowing money are based on our sesame credit score. The daily interest rate of borrowing money is generally above four ten thousandths, so you must pay it back in time after borrowing money, which can save a lot of interest.
bank loan
If you need a lot of liquidity, you should consider bank loans at this time. Generally, more money is borrowed from bank loans, but in bank loans, mortgages are generally needed, such as real estate and cars. Only in this way can we get the loan smoothly. In bank loans, the standard interest rate is generally limited and there is a time limit. If the collateral can't be repaid in time, it will be auctioned, which needs attention.
petty loan
When seeking a loan, you can also consider a small loan, but its amount is generally relatively small, and there is no mortgage or guarantee when lending. It is very convenient to complete the loan in one minute at the earliest. Micro-loans can be repaid in advance without handling fees. At present, the credit line of micro-loan is between 5 million and 300 thousand, depending on the individual's comprehensive situation.
Institutional loan
When seeking a loan, you can find a third-party lending institution, whose approval conditions are relatively relaxed. The loan interest rate of third-party lending institutions is relatively high, far higher than the benchmark interest rate. Here, I suggest that you only consider third-party lending institutions when you can't find other loan channels, and you must repay the money in time after borrowing, otherwise it will cause a lot of trouble.
credit card
When you encounter financial difficulties, you can give priority to using credit cards. If it is 10000 yuan or 20000 yuan, and you happen to have such a credit card in your hand, you can consider using a credit card for turnover, and you don't have to pay interest yourself, and you will pay it back when it expires. However, we do not encourage the use of pos machines to cash out here. If the bank finds out, there will be the possibility of a card.
In fact, now that the network is so developed, it is still very easy for us to borrow money, but we can choose according to our actual situation when choosing the way, and we must shop around, so that the price paid when lending is the least.
How does CCB lend quickly?
The construction bank App on the mobile phone can be loaned. The specific steps are as follows:
Log in to mobile banking, enter your account name and password, and then click "Quick Loan".
2. After clicking "Quick Loan", you can see a series of choices, among which "Apply" is selected.
3. Then enter the amount you want to apply for, such as xxxx yuan.
4. Then click "Next", wait for password verification, and click "Agree and Apply" when finished.
After the steps are completed, the money will be transferred to your CCB card soon.
How to apply for a loan quickly?
The step of loan is that the individual must first prepare the materials needed for loan from the bank, generally including loan application, customer ID card, payroll, income certificate, marital status certificate and other materials to submit an application to the bank. After preparing the information, wait for the loan review and go through other legal procedures. In addition to the contract, there are other legal procedures to be handled, and finally you can wait to accept the bank loan.
legal ground
Article 11 of the Interim Measures for the Administration of Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender: .............
This is the end of the introduction of fast loans and fast loans. Did you find the information you needed?