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2. What are the applications that don't need to go to the bank? Look at these!

At present, there are many loan products suitable for individual users. Most of them don't need to go to the bank counter to handle business, and they can operate directly on the Internet or on their mobile phones. What are these products that don't need to go to the bank counter? Today we will introduce it.

1 360 IOUs 360 financial products provide loan services for users, mainly through the active data of users' consumption and repayment on 360, combined with the borrower's own qualifications, which require face recognition, online operation throughout the process, with a maximum amount of 200,000 yuan, one-time credit and recycling, with a term of 3~ 12 months, which can meet the needs of most people. 2. Comfortable flowers This is a pure credit loan under immediate consumer finance. The credit line can be recycled and divided into three periods, six periods, nine periods and 12 periods. Interest is calculated on a daily basis. The formula is daily interest = the daily interest rate of the remaining unpaid principal. The minimum daily interest rate supports automatic repayment and active repayment, and it can be operated directly online. 3. In baixin bank, the loan amount is between 500,000 and 300,000, and the repayment is very convenient. You can borrow it and return it, and there is no handling fee for prepayment. These areas are temporarily unable to apply: Yunnan, Guangxi, Guizhou, Xinjiang, Gansu, Hainan, Qinghai, Inner Mongolia, Shaanxi and Ningxia. 4. ICBC Rong E loan ICBC small revolving loan, starting from 600 yuan, with a maximum of 800,000 yuan, which can be recycled. As long as you are 65,438+08-60 years old, have a stable job and have a good personal credit report, you will have a chance to get the quota.

3. What doesn't need auditing?

There is no formal loan in the market that does not need to be audited.

Any loan product requires different requirements of manual or product audit. For example, to borrow money, the most basic condition is that users need to complete Alipay's real-name authentication number, and whether the rest can be loaned or not, and the loan amount is fixed.

Online small loans should adhere to the principle of small amount and dispersion. Personal loans do not exceed 300,000 yuan and the annual income is less than one third, and institutional loans do not exceed 6,543,800 yuan;

The amount of deferred data loans is generally more than 654.38 million yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. Extension of application.

In China, it mainly serves agriculture, rural areas and farmers, reasonably concentrates some private funds in the interbank lending market, and effectively solves the financing problems of agriculture, rural areas and small and medium-sized enterprises. Now there are personal loans for office workers, which are generally 1 thousand, but the credit and information review is strict.