The interest rate of bank consumer loans is determined according to the region and the qualifications of lenders. Every bank has different consumer loan products and different application conditions. So if you want to know which bank's consumer interest rate is low, you need to go to several banks to apply for consumer loans, so as to know which bank gives you the lowest interest rate.
The first is the state-owned banks. Among the state-owned banks, China Bank has the lowest interest rate, followed by China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Among other state-owned banks, the data of mortgage interest rates of Postal Savings Bank, Industrial Bank and China Merchants Bank show that the mortgage interest rates of the four major state-owned banks are average at 202 1.
If the lender wants to apply for a credit loan, the lowest loan interest rate of 202 1 should be China Bank, and the current loan interest rate is 2.6%. After that, ICBC was transformed in five years, and the loan interest rate was as low as 3%.
After that, the lower loan interest rates are the joint-stock commercial banks such as Industrial Bank, Minsheng Bank and China Merchants Bank. The monthly interest rate is basically in the decoration loans of Zheng Hang, CCB and ABC, and the interest rate is also very low.
Second, which lending platform is safe and reliable with low interest?
Borrowing is risky, so you need to choose carefully. If you need funds, I suggest you handle it through a formal loan platform. Ping An Bank launched unsecured credit loans, as well as mortgages and mortgage loans for houses and cars. Different loan products have different interest rates. For details, please log in to Ping An Pocket Bank APP- Finance-Loan and try to apply.
Reply time: 202 1-06-25. Please refer to the latest business changes announced by Ping An Bank in official website.
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3. Which online loan interest rate is lower and which one is more reliable?
The following platforms have low interest rates and are more reliable:
1, money to spend: a well-known lending platform, not many degrees, you may not know! But you must know Baidu, so I won't say much here! Formerly called "Baidu has money to spend", the existence of T 1 team level is reliable!
2. Paipai Loan: the first P2P peer-to-peer lending platform in China and a personal credit online lending platform. At present, China Merchants Bank provides a fund depository system for auction loans. The purpose of its establishment is to provide a safer and more efficient platform to make the lending behavior between individuals more standardized, safe and effective.
3. Borrowing: As long as the sesame credit score is above 600, you can apply for the loan service launched by Alipay.
4. Micro-loan: In addition to Alipay's ant loan, the most recommended is micro-loan, which is very suitable for young people now, because it has brought convenience to hundreds of millions of people through the most commonly used WeChat official account.
5, 360 loan: backed by Qihoo 360, it has a high reputation. Security itself is to do network information security. In terms of big data, there are also many precipitates.