Which is better, CCB quick loan or Bank of Communications Huimin loan, mainly depends on personal actual situation. Before comparing the two, we must first understand their basic situation in order to make a correct choice.
CCB Express Loan is a loan project launched by CCB, which aims to help individual customers get funds quickly, while Bank of Communications Huimin Loan is a loan provided by Bank of Communications specifically for micro-enterprises.
In terms of interest rate, the interest rate of Bank of Communications Huimin Loan is lower than that of CCB Express Loan, but the loan amount of CCB Express Loan is higher than that of Bank of Communications Huimin Loan. In addition, CCB's fast loan can be handled online, which is more convenient and fast; However, Bank of Communications Huimin loan needs to go to the counter, and the processing time is somewhat delayed.
Generally speaking, if individual customers need a small loan amount, they can consider Bank of Communications to benefit the people. And if you need a larger loan amount, you can consider CCB's fast loan.
Which is better for credit loan? You can look at these big lines.
The popularity of the Internet has brought a lot of convenience to people. People can solve their own problems of food, clothing, housing and transportation through mobile phones. Most people have gradually become accustomed to using mobile phones to handle business. In order to adapt to the development of the times, banks have established their own exclusive websites on the Internet to provide users with more convenient services, and users can also handle their own business through Bank official website.
Overdraft consumption has gradually become a mainstream consumption mode. In order to alleviate the economic pressure, many people are used to using loans to solve the financial problem. In order to better meet the needs of consumers, major banks have launched credit loans. Let's see which bank's products are better.
I. Bank of China-Wage Loan
1, mainly for working-class people aged 24-55;
2. The user's monthly income is more than 3,000 yuan;
3. User social security must be paid continuously for more than 6 months;
This product can provide users with a loan amount of about 10000-500000 yuan; Generally, it is 2-3 times the annual income of employees. If the user meets the level of the bank's third-class wealth customers, the quota can be increased accordingly. The service life of the loan is 1-36 months, and the annualized interest rate is 7.2%.
Second, the Agricultural Bank of China-paid loans
1, aged between 18-60;
2. Minimum loan 10000 yuan;
3. The credit score is above 490 points;
4. The borrower's spouse has no bad credit record.
The loan amount is generally 200 times of the monthly provident fund deposit, with a maximum of 300,000, a service life of 3-36 months and an annual interest rate of 7.2%.
Third, China Construction Bank-fast loan.
China citizens aged 1 and 18;
2. CCB internal customers who have certain financial assets in our bank or have handled housing mortgage loans;
3. Users need to be high-quality customers of banks.
If the user is not a customer of the bank, the business cannot be handled. The loan amount is generally between 65,438+0,000-50,000, with a maximum of 500,000. The loan amount is valid for 65,438+0 years, and can be used at will during the validity period, with high flexibility. The annual interest rate is 7.2%.
4. Bank of Communications -E Loan 2.0
After the user applies, the bank will grant the user a credit line that can be recycled within a certain period of time. Customers can automatically withdraw cash through telephone, online banking and electronic channels when they need money, and the credit line can be used for credit card consumption and online payment.
Up to 6,543,800 yuan, valid for 6 months. The longest repayment period is 36 months and the annual interest rate is around 7.5%.
The above is a list of bank credit loans for everyone. Friends in need can choose products that suit them according to their own needs. The interest rate of general credit loans is higher than that of mortgage products. Don't pursue the limit too much, so as not to be overdue because of too much debt. In addition, there are many bank credit products to consider. For example, you can learn more about the postal salary loan of the Postal Savings Bank, the lightning loan of China Merchants Bank, the Puyin point loan of Shanghai Pudong Development Bank and the Xing Flash loan of Xingye.
Which is better, Bank of Communications or China Construction Bank?
Both banks are relatively large banks, but the latter bank is generally controlled by the central bank, with a relatively high safety factor, so you can make a comparison when choosing.
The difference between Bank of Communications and China Construction Bank;
1, different businesses
The business of China Construction Bank includes credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans. The business scope of Bank of Communications covers commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services.
2. Different in nature
China Construction Bank (CCB) is a large state-owned bank managed by the central government and a national deputy ministerial unit. After the reorganization, Bank of Communications became the first national state-owned joint-stock commercial bank in China.
Generally speaking, CCB is better, mainly because: 1, CCB has more online stores than Bank of Communications, and the repayment is relatively convenient; 2. CCB's all-currency credit card is free of currency exchange fees, which can save a lot of money; 3. CCB has a good customer service attitude; 4. The installment fee is lower than that of Bank of Communications. The installment fee of CCB is 0.6%, and the transportation fee is 0.72%. 5. The withdrawal fee is low, with CCB 1% and traffic 1%. However, CCB has no low fee, and the traffic is the lowest 10 yuan. Withdraw 200 yuan, CCB collect 2 yuan, transportation fee 10 yuan; 6. The repayment period of transportation is 25 days, and that of CCB is 20 days.
Some credit card experts said that compared with the credit card of CCB, the credit card of Bank of Communications is better.
The benefits of Bank of Communications credit card mainly include the following points:
1. The credit card overdraft limit of Bank of Communications is higher than that of CCB.
2. The Bank of Communications credit card processing procedure is simple, and the card processing speed is fast, which can be obtained in 2 weeks. 3. Bank of Communications often gives cardholders preferential activities, and there are more discount stores, which can save money. 4. The points donated by Bank of Communications for credit card consumption can be withdrawn, that is to say, the points are directly used to deduct the amount that has been consumed and has not been billed. This is not available in other bank credit cards.
Annual fee of Bank of Communications credit card: 1, dual-currency card: gold card main card RMB 200 yuan, gold card auxiliary card RMB 100; Puka Master Card 140 yuan, Puka Deputy Card 70 yuan. 2. RMB card: the main gold card is 65,438+020 yuan, and the subsidiary gold card is 60 yuan; 80 yuan, the main card of Puka, and 40 yuan, the deputy card. 3. Doka: the main card is 80 yuan, and the auxiliary card is 40 yuan. 4. Platinum MasterCard: basic annual fee 1 0,000 yuan (charged after checking the card, optional service fee will be charged separately). 5. Platinum supplementary card: free of basic annual fee (optional service fee will be charged separately). 6. Annual fee-free policy: swipe your card six times without annual fee, but you must swipe your card on the POS machine in the physical store, and online payment is not counted. 7. Note: 6 swipes are free of annual fee. It is the one-year repayment time from card issuance to this time next year. Look at the date of the bank statement. If you spend before the bill, you must repay it before the bill date of next month. If you spend money in the future, you must repay it before the settlement date of next month.
This is the end of the introduction about which loan is better for CCB and Bank of Communications, and which one is better for mortgage, Bank of Communications and CCB. I wonder if you have found the information you need?