Which bank is the best for getting a loan?

ICBC is good.

1. Industrial and Commercial Bank of China

ICBC's comprehensive personal consumption loans have relatively wide range of consumption uses, higher loan amounts and longer loan terms.

2. China Merchants Bank

Chinese Merchants Bank’s credit loans can be issued in installments according to customer needs. The sum of the amount of each loan shall not exceed the approved loan amount. The loan period of each loan shall not exceed the approved loan amount. Same, the repayment method is the same.

3. China Construction Bank

China Construction Bank has a high loan limit, a wide range of consumer uses, and low loan interest rates. The interest rate of the quick e-loan launched by China Construction Bank is about 7.6%.

4. Industrial Bank

The credit period of Industrial Bank’s personal comprehensive consumption limit can be up to 10 years. The quota can be used repeatedly within the credit period, and the used quota can be restored after the loan is repaid.

Extended information

Things to note when applying for a loan are as follows:

1. The information provided to the bank must be true, and the address and contact information provided must be accurate. The bank must be notified in time;

2. The purpose of the loan must be legal and compliant, and the transaction background must be true;

3. Choose one that suits you based on your repayment ability and future income expectations. Repayment method;

4. When applying for a loan amount, you must act within your ability. Usually, the monthly repayment amount should not exceed 50% of the total household income;

5. Read the terms of the contract carefully and understand own rights and obligations;

6. Repay the loan on time to avoid bad credit records;

7. Do not lose the loan contract and IOU. For mortgage loans, after paying off the loan Don’t forget to cancel the mortgage registration;

8. Early repayment must be communicated with the bank one month in advance before it can be processed.

9. When applying for commercial loans to foreigners, banks generally require borrowers to have a stable income in the local area and to go to the place of residence to issue a household registration certificate (some banks also require an office certificate), while house purchase guarantees The company's requirement for foreigners is that they must have local income and apply for a temporary residence permit.