The interest rate of ID card loans varies from bank to bank. For example, the "comprehensive credit loan" of the Postal Savings Bank has an interest rate of around 7.8%; Bank of Beijing's "Golden Loan" interest rate is 7.2%-8.28%; The interest rate of "wealth management fund" of Guangfa Bank is around 8.4%; Bank of Nanjing's "Credit Easy Loan", the interest rate is 7.2%-8.4%? Moreover, the loan interest rates of different ID cards in the same bank are different. The "Easy Credit" of Nanjing Bank is higher than the "Easy Credit", and the interest rate is about 1 1.7%.

There are also some banks, whose ID card loans have no interest rate, and charge fees by other means, usually a certain proportion of the loan amount, called management fees or handling fees. For example, the handling fee rate of Nanyue Bank is 9.96%- 12.84%.

It should also be reminded that the ID card loan is not a loan that can be applied only by ID card. When handling loans, borrowers must choose formal lending institutions to avoid economic losses.

What is the interest rate of ID card loan? Is the interest rate high?

Many people are eager to try ID card loans, but they are worried that the expected annualized interest rate is too high to afford. In fact, this kind of worry is quite normal. Next, I would like to introduce you to the expected annualized interest rate of ID card loans.

In fact, different ID card loan products have different expected annualized interest rates. Next, I will take Bank of Ningbo's ID card loan as an example to explain it to you.

Advantages:

1. The expected annualized interest rate is low. If the bank has a low-interest loan, then Bank of Ningbo is low-medium-low, low-medium-low, low-medium-low. The expected annualized interest rate is in line with the mortgage pricing of IN, and there is only one credit, which can be recycled for three years. Bank of Ningbo White Collar Link can be repaid with the loan, and the amount can be dynamically adjusted. The loan term starts from one year, and the amount can be dynamically adjusted at any time according to your own needs within three years.

Disadvantages:

1. High threshold. In economics, low expected annualized expected return is often accompanied by low risk, so the subsequent high threshold becomes a predictable short board. Judging from the specific application conditions, the income should not only cross the threshold of 5,000 yuan, but also the titles of "stable occupation" above the head, such as civil servants, staff of public institutions, lawyers and other people, are all its dishes. In addition to meeting these requirements, it is more important that you need to have real estate in the local area where you apply.

2. The loan is slow. In order to carefully investigate all potential risks, Bank of Ningbo couldn't resist the idea of "slow work and fine work" and lend money within 9 working days at the earliest.

What is the amount and interest of ID card loan? Look here.

Now you can apply for a loan with your ID card. When lending money, people are most concerned about whether the amount is high or not and whether the interest is low or not. Below, let's introduce the amount and interest of ID card loan, hoping to help friends in need.

Before knowing the amount and interest of ID card loan, let's talk about ID card loan. When applying for an ID card loan, the ID card is only a prerequisite. At the same time, the lender also needs to provide a series of materials such as income certificate, residence certificate and work certificate. Therefore, if some loan platforms claim that they can pay as long as they get their ID cards, everyone must be alert to whether it is a trap.

Let's explain the amount and interest of ID card loan through some reliable loan platforms.

E times

E-time loan is also a platform for loans with ID cards. The maximum amount is 6,543,800 yuan, the longest term is 36 months, and the lowest and highest monthly interest rate is 654.38+ 0%-3%. However, users who apply for e-loans should have stable jobs.

Cai Hua

How much is the loan amount and interest of Cai Hua ID card? The maximum loan in Cai Hua is 200,000 yuan, and the monthly interest rate ranges from 3 years to 6 months. When applying for a loan, you must continuously deposit the provident fund for more than 6 months.

Ping' an puhui I Dai

Ping An Pratt & Whitney I can borrow with an ID card, with a maximum loan amount of 30,000 yuan, and the loan can be released in three minutes at the earliest from the daily interest rate. The more complete the information filled in by the borrower, the higher the loan amount applied for. Of course, it should be decided comprehensively according to the borrower's credit status.

Oxygen loan

The maximum loan amount of oxygen loan is 500,000 yuan, and the monthly interest rate loan period is 12 to 36 months. You can apply in always online, and you can get a loan with your ID card without mortgage. There are many people who choose these on the day of ID card loan.

How long can I borrow an ID card loan? Specific analysis of the specific situation.

How much can I borrow from my personal ID card?

It has become the mainstream of the loan industry. Simple and convenient, there will be no great repayment pressure. Students, white-collar workers and wage earners will regard it as an indispensable artifact. Then, how much can I borrow my personal ID card? At present, many products on the market have different quotas, and the quotas also change according to the qualifications of the applicants. Let's look at the specific amount.

Quota: ranging from several hundred to tens of thousands.

Amount: 500-5000 yuan.

Borrowers can borrow money here as long as they have an ID card and a Taobao account number. The term is divided into three types: 30 days, 60 days and 90 days.

Amount: up to 5000 yuan.

Accompanying loan is a product jointly launched by Shanghai 2345 Hailong Finance and BOC Consumer Finance, and cash can be processed with ID card. You can apply for a loan by downloading the random loan app, and you can get the cash in 2 minutes and lend it directly to the bound bank card.

Quota: as low as 1000, as high as tens of thousands.

You can apply for a loan as long as you verify it with your ID card. With ID card and bank debit card, the borrower can fill in relevant information, apply for ID card loan in 3 minutes at the earliest, and withdraw cash from the account on the same day. Monthly handling fee rate 1.5%-2%.

Amount: the minimum is 3,000 yuan and the maximum is 60,000 yuan.

/kloc-More than 0/8 of China citizens can apply for a light rain loan through their ID cards, bank records in the last three months and residence certificates.

Amount: 1000-50000 yuan.

Xiaohua is a special platform, which only supports WeChat official account application. Submit real ID information when applying, it will be automatically approved within 10,000 quota, and the payment will be made within 3 minutes at the earliest, without mortgage or sesame seeds.

Line: 500 yuan, 1000 yuan or 1500 yuan.

And the loan is a very famous ID card APP. APP provides emergency loans and installment loan products. The term is 30 days and the daily interest rate is 0.03%. And provide the borrower with a loan of up to 20,000 yuan by stages, with the longest term of 12 months.

Related introduction:

What are the trustworthy personal ID cards?

What ID cards are you interested in here?

There are too many products on the market to list all the personal ID cards, so I sorted out the above ones today, hoping to help everyone. If the quota of the above platforms can't meet you, the same low threshold will be paid quickly.

Can provide you with more high-end choices, click

You can apply.

How much is the interest on the ID card loan? Is it?

Compared with traditional bank loans, ID card loans are favored by many borrowers. However, although ID card loans are so popular, many people still lack understanding about them. Among them, everyone is most concerned about whether the interest on ID card loans is high or not. Below, let me answer your questions, hoping to help you.

Because there are many loan products under the ID card loan, the expected annualized interest rate of different ID card loan products is also different. And different banks have different rules. For example, the "comprehensive credit loan" of the Postal Savings Bank is expected to have an annualized interest rate of around 10%; Bank of Beijing's "golden loan treasure", the expected annualized interest rate is the "financial wisdom gold" of Guangfa Bank, and the expected annualized interest rate is around; The expected annualized interest rate of "Credit Easy Loan" of Nanjing Bank is 0. Moreover, the expected annualized interest rate of different ID card loans of the same bank is also different. Bank of Nanjing's "Easy Credit" is higher than "Easy Credit", and the expected annualized interest rate is around.

There are also some banks that charge fees for ID card loans in other ways without the expected annualized interest rate, which is generally a certain proportion of the loan amount, called management fees or handling fees. For example, in Nanyue Bank, because the application threshold for ID card loans is not high and the handling fee rate is not high, it is normal for lending institutions to expect relatively high annualized interest rates for loans in order to control risks. Compared with it, ID card loan is essentially different from it. ID card loan is very similar to the familiar credit loan. Therefore, the ID card loan is by no means. But I still want to remind everyone that no matter what kind of loan, there are certain risks. Therefore, everyone must keep their eyes open and lend cautiously.

Let's stop here for the introduction of ID card loan interest.