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Which bank can lend money?
Which bank has a credit loan

Every bank has its own credit loan products.

1, fast loan from China Construction Bank

CCB's personal credit loan products are mainly "quick loans". China Construction Bank's fast loan can provide you with up to 5 million credits, mainly for online application, covering cash withdrawal, shopping and so on.

2. China Industrial and Commercial Bank's margin financing and securities lending.

China Industrial and Commercial Bank of China can rank second in the latest top ten bank credit loan rankings. ICBC can provide loans as low as 600 yuan and as high as 800,000 yuan, with a service life of up to 5 years.

3. Electronic loan of China Merchants Bank

E-loan of China Merchants Bank is a bank credit loan product specially provided for credit card users of China Merchants Bank. The loan amount can reach 300,000, which can be repaid with the loan, and the next payment speed is also very fast.

4. China Bank Easy Loan

Bank of China E-loan is an online loan product of China Bank. You can apply through the internet for the whole process, with a loan amount of 300,000 yuan and a service life of 12 months.

5. Bank of Communications enjoys loans.

Bank of Communications can enjoy loans, ranking fifth among the top ten banks in terms of credit loans. Bank of Communications enjoys a pure credit loan, the amount of which depends on the borrower's situation, and the repayment period is between 3-24 installments.

6. Minsheng Bank consumes small loans.

Minsheng Bank's consumer microfinance is a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary. Apply for credit loans, such as tax bills.

7. Letter from China CITIC Bank-Second Loan

CITIC Bank ranks seventh in the latest top ten bank credit loan rankings. CITIC Bank can provide qualified customers with loans of up to 300,000 yuan, with the loan term as short as 1 month and as long as 12 months.

8. Puyin integral loan of Shanghai Pudong Development Bank

Pudong Development Bank Puyin Integral Loan can provide loans of up to 300,000 yuan for people aged 18-60, and the processing process only takes about 3-5 minutes.

9. Agricultural Bank's online loan

Agricultural Bank's online loan is mainly aimed at specific customers, so you need to apply for a mortgage at Agricultural Bank. However, with the characteristics of online application, quick approval and quick repayment, ABC NetJet ranks ninth in the top ten bank credit loan rankings.

10, China Everbright Bank lends money at will.

Everbright Bank is currently at the bottom of the latest top ten bank credit loan rankings. The service group of China Everbright Bank is 22-55 years old, and borrowers need to buy "personal loan guarantee insurance".

What bank can lend money?

There are many banks in China, and many people don't know how many banks can lend. Since the reform and opening up, the development of domestic commercial banks has shown a blowout phenomenon. At present, there are thousands of banks and countless outlets, which are divided into the following categories.

1, People's Bank of China: The People's Bank of China is the central bank and the leader of the banking industry. 1978, China People's Bank broke away from the Ministry of Finance and officially became a ministerial unit. Starting from 1984, its commercial banking business is undertaken by other newly established banks. At present, monetary policy is mainly formulated and implemented under the leadership of the State Council, and it does not handle loan business itself.

2. Policy banks: China Development Bank, China Agricultural Development Bank, Export-Import Bank and China Agricultural Development Bank mainly implement government policies and only conduct business in specific areas. Generally, individual enterprises are unable to handle loan business, so they should act according to policies.

3. State-owned commercial banks: China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, Bank of Communications and Postal Savings Bank are all directly controlled by the state. They have a lot of credit business, and the interest rate is much lower than other banks. Of course, the threshold for bidding is also very high.

4. Joint-stock banks: China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, hengfeng bank and Bohai Bank. These banks are controlled by state-owned legal persons such as private enterprises, non-public enterprises, state-owned enterprises or local governments, with many preferential activities and low loan threshold.

5. City commercial banks: Bank of Beijing, Bank of Shanghai, Bank of Bank of Ningbo, Bank of Nanjing, etc. Common banks are developed in cities, controlled by local governments and large enterprises, with low loan threshold and low interest rate, which is a good choice for loans.

The above are common types of banks, all of which are formal and reliable institutions with low loan costs. If you want to get a large amount of low-interest loans, you'd better choose a bank. Nowadays, Internet banks are developing rapidly, such as Wangxin Bank, Weizhong Bank and Online Merchant Bank, which mainly serve network users.

: Procedures for applying for bank loans

1. Prepare relevant procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). Customers with mortgage loans need to provide property certificates of collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer.

4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer also needs to go to the relevant department to register the mortgage for future inquiry.

5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account.

Which bank can lend money?

All banks in China can make loans, as long as you are qualified for loans. At present, most prime bank banks in China have their own loan products, such as Industrial and Commercial Bank, China Construction Bank, Postal Savings Bank, Agricultural Bank, China Bank and Bank of Communications, as well as commercial banks such as China Merchants Bank, China Everbright Bank, China CITIC Bank and Industrial Bank, and local banks such as Hankou Bank and Jiangxi Bank.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

bank loan

(Bank loan)

According to different classification standards, there are many types of bank loans. For example:

bank loan

bank loan

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the loan scale, it can be divided into wholesale loans and retail loans;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

short-term loan

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, and according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.

The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.

What are the bank credit loans? These banks are all good!

In the financial industry, bank loans are the first choice for everyone because of their high security, low interest and various types. What are the bank credit loans? Everyone should pay attention to these products at ordinary times, which can help a lot when money is urgently needed. Take stock of some good bank loan products today.

1, quick loan from CCB

China Construction Bank's personal consumption loan is suitable for different users' needs, with a maximum amount of 5 million, extremely low interest, one-year repayment of principal and interest, and relatively little repayment pressure. Whether it is batch or collection, the speed is very fast. Interested users can learn about it.

2. ICBC Financial Electronic Loan

China Industrial and Commercial Bank is a state-owned bank. Its e-loan is a pure credit mobile phone loan with a maximum loan of several hundred thousand. The daily interest calculation method is adopted, which supports borrowing and returning, and the card is flexible. As long as you have a deposit in ICBC, investment and wealth management or a mortgage, and your personal credit is good, you can apply successfully.

3. China Merchants Bank E invites loans

A small partner with a China Merchants Bank credit card can apply for this loan if conditions are good. The examination and approval speed is very fast, which is very suitable for users who need money urgently. The amount they can apply for is between 20,000 and 300,000 yuan. How much they can apply for depends on the applicant's qualification and credit.

4. Bank of Communications enjoys loans.

The loan amount is as high as 1.5 million, and the longest service period is 2 years. The monthly handling fee is specially for eligible cardholders. If you receive an invitation message, you can log in to Bank of Communications Mobile Banking to apply, with a high success rate.

To sum up, bank loan is a good choice. If people are short of money, they can be used for temporary turnover, but they must repay on time, otherwise there will be adverse consequences.