Which bank has the lowest interest rate for a small loan of RMB 300,000?
1. Ping An Bank’s small loan interest rate
Ping An Bank’s small loan interest rate is determined based on the LPR interest rate, and generally fluctuates between 15 and 24% based on the LPR interest rate. If calculated based on the interest rate of 4.35, if the borrower applies for a loan of more than 100,000 yuan, the one-year borrowing interest rate will be 4,350 yuan.
Based on the general premise, the larger the loan amount, the lower the interest rate of the credit product. Because the loan amount is larger, the borrower's loan period is generally longer, and because the loan amount is too large, the borrower generally must have collateral before applying.
2. CCB Quick Loan
CCB can handle a lot of small loan products of around 20,000 yuan. For example, CCB Kuai e-loan, CCB Wo e-loan, Rong e-loan, pledge loan, etc. Among them, Rong e-dai is mainly for large-scale consumption, with online approval and offline promotion and signing. Users can buy things on various e-commerce platforms in China and then pay directly to the loan account.
3. China Merchants Bank Flash Loan
Flash Loan is a small loan product under the China Merchants Bank Group. The maximum amount that users can apply for is more than 300,000 yuan. The maximum loan period for flash loans is 24 terms, which is actually 2 years. The lowest daily interest rate for borrowing is 0.018. Users can choose a one-time loan repayment method with interest calculated on a daily basis, or choose to pay in installments. No service fee will be deducted for early repayment of the mortgage.
4. Postal Savings Bank White-collar Loan
"White-collar Loan" refers to the Postal Savings Bank's maximum revolving system credit line environment, which does not require any pledge, and provides loans to qualified individuals. Borrowers issue credit products. The maximum loan amount for white-collar loans is more than 300,000 yuan. Borrowers need to submit their valid identity documents, workplace certificates, personal income certificates, marriage certificates and other raw materials. What are the techniques for borrowing a fixed amount?
Method of increasing your credit limit by trading
If we want to increase our credit limit, we need to let Jiebei see that we have enough consumer markets. Therefore, everyone must shop online on Alibaba Group’s platforms, and you can also use Alipay to shop in offline stores.
Capital increase credit limit method
In order to obtain a strong enough credit limit for Jiebei, you also need to let Jiebei know that everyone has sufficient repayment ability. Therefore, everyone must be able to show their funds to Jiebei through the Alipay wallet. In normal times, everyone needs to use Alipay to purchase financial management, insurance, etc.
Method of adding information to increase credit limit
If everyone wants to increase the credit limit of Jiebei, they must let Jiebei understand themselves better. Therefore, we must complete the Alipay account information as much as possible and link the social security account, personal provident fund and Alipay together. In addition, everyone can show their permanent residence by paying water, electricity, gas bills, etc.