Which banks are easy to apply for loans from?

A summary of some banks with easy loans, but it depends on your own qualifications

Bank of Communications

Haoxiangdai and Angel Loan of Bank of Communications are two This type of loan is relatively easy to apply for, as long as your credit report is relatively good and you are a high-quality customer of Bank of Communications. This high-quality customer means that you have applied for a credit card at Bank of Communications, have deposits, and have frequent and active business with Bank of Communications. Then it will be easier for you to apply for Haoxiang Loan and Angel Loan.

Ping An Bank

Ping An Bank’s new loan is relatively easy to apply for, and the threshold is relatively low. As long as the borrower’s monthly income exceeds 4,000 yuan and the borrower is in his/her own You can apply for a new loan if you have worked at your workplace for more than 6 months (including 6 months). The loan amount range of this new loan is between 10,000 yuan and 500,000 yuan. The loan period can also be freely chosen by the borrower. The choices are actually 12 months and 24 months. The longest period is 48 months. Yue, the speed of letting go is also relatively fast.

Shanghai Pudong Development Bank

Shanghai Pudong Development Bank has launched a personal online consumer loan product. This product is Puyin Diiandai, and the fastest opening speed of this Puyin Diiandai is within 5 minutes. Within the loan amount, the maximum loan amount can reach 300,000 yuan. As for the application method of Shanghai Pudong Development Bank, borrowers can apply directly through online banking, WeChat banking, mobile banking and other channels.

China Merchants Bank

China Merchants Bank’s e-loan is relatively easy to apply for. It is a credit card loan. The rates of e-loan are relatively low and the borrowing speed is also fast. No information or mortgage is required, just apply online. The application can be completed within 30 seconds at the fastest. The selected repayment time is at least 3 months and can be up to 24 months.

Guangfa Bank

Guangfa Bank’s E-Miaodai is an Internet loan product. The credit loan amount it can provide ranges from 5,000 yuan to 300,000 yuan. You can borrow and repay at any time. Interest is calculated on a daily basis.

Which platform has the lowest interest rate and is the safest to borrow money? Longwudu District Check

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List of top ten online loan platforms with low interest rates and conscientious loan platforms

Lei Wen 2022-11-3014:12:40 Xicai.com

When users apply for online loans, they often consider whether the interest rates on the online loan platform are low and whether the platform itself is reliable. Below, the editor will help you summarize the top ten online loan platforms with low interest rates. When users have borrowing needs, they can try to apply for the following loans first. Different online loan platforms have different application conditions and review standards. After a user submits a loan application, whether he or she can pass the loan review is subject to the display on the page.

Top ten online loan platforms with low interest rates

1. 360 IOU

360 IOU is a formal and safe credit product under 360 Digits , the loan amount is between 500 and 200,000. Users who are 18-55 years old or older and hold mainland resident certificates, and whose occupation is not a college student, can provide their real-name mobile phone number and the mobile phone number is not an additional card, then the user can try to apply for a 360 IOU. After submitting a loan application, 360 IOU requires authorization to check the personal credit report. Borrowers with bad credit will not be able to pass the loan review.

2. Anyihua

Anyihua is a credit product under Ma Ma Consumer Finance, with a maximum loan amount of 200,000 and a maximum of 12 installments. The interest rate of Anyihua loans starts at 7.2%, and the average daily interest rate for borrowing 1,000 yuan for one year is 0.11-0.39 yuan. An Yi Hua Club provides membership services, and members can enjoy deferred repayment qualifications, early settlement fee reduction, limit increase channels, and interest discounts. Anyihua's credit limit is a revolving credit limit, and you can repay it in installments flexibly after borrowing.

3. Du Xiaoman

Du Xiaoman is a comprehensive financial service platform. Here we mainly introduce Du Xiaoman’s credit services. Duxiaoman Credit can borrow up to 200,000 yuan, with annualized interest rates starting at 7.2%. The interest rate for borrowing 10,000 yuan per day starts at 2 yuan. Interest on early repayment is calculated based on the actual number of borrowing days. The loan period is available in 3, 6, or 12 periods. You can borrow money on the same day and pay it back the next day. Applicants must be between the ages of 18 and 55, and their occupation is not a college student. They can apply if they can provide their second-generation ID card and personal debit card.

4. Tianmei Loan

The maximum limit of Tianmei Loan is 50,000 yuan, which can be used repeatedly. The daily rate is as low as RMB 50,000, and the entire loan application process is online, with no guarantee or mortgage required. The loan term is available in 3/6/9/12 terms. Users can choose the loan term according to their borrowing needs. After submitting the loan application, the system will automatically approve it, so the loan review results and disbursement speed are relatively fast.

5. Fenqile

Fenqile is an installment shopping mall and an installment loan financial platform. The loan limit is up to 200,000, and the comprehensive annualized rate is as low as 8%. The specific borrowing interest rate Subject to page display. If you borrow less than RMB 10,000, you will be interest-free for up to 30 days. Fenqile can be used by people aged 18 and above. The current student group does not support the use of installment loan services, but supports the use of interest-free shopping and life rights services.

6. Weilidai

Weilidai is an invitation-based loan product. The system must issue an invitation before the user can obtain the loan limit. Weilidai has the best

Which loan interest rate is the lowest among various banks

There is no saying that the loan interest rate is the lowest. Bank loan interest rates are compared based on the loan period and loan type. Loan types are divided into Mortgage, car loans, etc., the interest rates of various loans are different. The lowest loan interest rate is only a relative term and is compared under the same conditions.

Currently, my country's deposit and loan interest rates are still in a semi-controlled state. The People's Bank of China adjusts the benchmark interest rate in a timely manner according to the capital supply and demand. The interest rate generally follows the central bank's standard interest rate, and the loan interest rate within six months (including 6 months) is 4.35 %, the loan interest rate for six months to one year (including 1 year) is 4.35%, the loan interest rate for one to three years (including 3 years) is 4.75%, the loan interest rate for three to five years (including 5 years) is 4.75%, and the loan interest rate for more than five years is 4.75% 4.90%. However, commercial bank deposit and loan interest rates are allowed to float freely within the prescribed range.

Extended information

Provide fund loan

The current provident fund loan interest rate is relatively low, and has been adjusted and implemented since October 24, 2018. The interest rate for provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for provident fund loans for more than five years is 3.75%, and they are implemented uniformly across the country. Therefore, as long as the housing provident fund balance meets the loan application conditions, it is basically easy to apply for a provident fund loan. Moreover, the interest rate is relatively low and it is suitable for many types of people.

Bank credit loan

The interest rate of bank credit loan floats on the benchmark interest rate stipulated by the state. It may rise or fall. There are many factors that affect it, and the regulations of each bank are also different, related to the purpose of the loan, the nature of the loan, the loan term, the loan policy, the different lending banks, etc. But relatively speaking, the interest rates are generally not very high.

What are the top ten reliable online loan platforms? Which platform saves money on loans?

There are many conscientious online loan platforms on the market in 2019, such as Youqianhua launched by Baidu, Ant Borrowing from Alipay, and Weilidai launched by Tencent Weizhong Bank. Usually these backgrounds are relatively strong. The loan platform is more reliable.

Top Ten Reliable Online Loan Platforms

1. Youqianhua

Youqianhua is a loan platform under Duxiaoman Financial and has strong background strength , Youqianhua provides personal credit loan products such as Manyidai and Zunxiangdai, which can meet the needs of most borrowers.

If you have money to spend, the limits of Manyidai and Xunxiang Loan are both high. The maximum limit of Manyidai is 200,000, and the daily interest rate is as low as 0.02%. You can borrow and repay at any time, and there is no handling fee. The maximum limit of the exclusive loan is 300,000, and the monthly interest rate is as low as 1.00%.

2. Ant Jiebei

Jiebei is a loan service launched by Alipay. The current application threshold is that Sesame points are above 600. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 300,000 yuan. The maximum repayment period of Jiebei is 12 months, and the daily interest rate of the loan is generally 0.02%-0.05%. You can repay as you borrow.

3. Weilidai

Weilidai is a credit loan product launched by WeBank, which is affiliated to the Internet company Tencent. Weilidai charges interest on a daily basis. The daily loan interest rate varies from person to person, and the comprehensive loan interest rate is around 0.05%.

4. JD Gold Bar

JD Gold Bar is a credit loan product launched by JD.com.

Jingdong's gold bar loan amount starts at 500, and adopts differentiated credit and interest rate pricing methods. Different users may apply for "gold bar" loans with different interest rates. The loan can be repaid in installments of 1, 3, 6, or 12 months (period). The actual term of a single loan is not necessarily a whole month, and interest is calculated on a daily basis.

5. Today's Toutiao Anxin Borrow

Today's Toutiao Anxin Borrow can provide you with loans of no more than 200,000 yuan, without mortgage or guarantee. You can apply online through the Jinri Toutiao mobile app. Anxin Lending adopts a daily interest calculation model, with daily interest rates as low as 0.03%. In other words, the interest rate for borrowing 10,000 yuan a day from Anxin can be as low as 3 yuan.

6. Meituan Living Expenses

Meituan Living Expenses is a loan platform launched by the Internet company Meituan. You can apply through the Meituan mobile APP. Currently, Meituan’s living expenses are in the form of targeted invitations. Only invited friends can apply for Meituan living allowance. Under normal circumstances, our initial limit is 8,000-10,000 yuan.

7. China Merchants Union Haoqi Loan

Haoqi Loan is a credit loan and an online personal consumption loan product launched by China Merchants Union Consumer Finance Company. The limit of China Merchants Union Hao's long-term loan is RMB 10,000-200,000. The limit is valid for 3 years and can be used repeatedly within 3 years.

8. 360 IOU

360 IOU is a consumer credit product of 360 Financial Group. The minimum loan amount of 360 IOU is 500 yuan, and the maximum limit is 200,000 yuan. The specific amount of quota you can apply for depends on your personal comprehensive qualifications. Generally, the better the qualifications of the borrower, the higher the quota that can be applied for. However, you should pay attention to the interest and fees of 360 IOU. If the loan is repaid with equal principal and interest, the interest charges will be relatively high.

9. Xiaomi Loan

Xiaomi Loan was launched in September 2015 and is positioned to provide small credit loan services. It is a pure credit Internet loan business launched by Xiaomi Finance. Currently, Xiaomi Loan provides different loan amounts. Depending on each person’s credit, the amount that can be applied for will also be different.

10. Ping An i-Loan

Ping An Puhui i-Loan is a product of Ping An (Group) Company of China, with a loan limit of up to 50,000 yuan. Ping An i-Loan is a revolving loan product. Within the credit limit, as long as the repayments are made normally, the loan can be re-financed indefinitely and will not change due to different borrowing amounts.

To sum up, I would like to introduce to you the currently popular and reliable online loan platforms. These platforms are all online loan products launched by formal financial institutions.

Which platform saves money

Of course, in addition to considering whether the platform background is reliable when borrowing money, users also need to make multiple judgments to make a choice. Many unreliable loan platforms will set up various traps for users, which will increase the pressure on users to repay after taking out a loan, and the interest will compound to the point where they cannot afford to repay. Therefore, users must ask their questions clearly when taking out a loan. Loan interest rate.

Is the annual loan comprehensive rate of 24% high or low? Let’s give an example to calculate

1. What is the interest rate for a loan with an annual comprehensive rate of 24%?

The annual loan comprehensive rate of 24% means that the comprehensive fee that needs to be paid to the lending institution for a loan in one year is 24% of the principal. Then as long as you know the loan term, loan amount, and repayment method, you can calculate the specific comprehensive loan costs. The loan amount and loan period are the same, but the comprehensive loan fees generated by different repayment methods are different.

For example, assuming the loan amount is 10,000 yuan, the loan period is 1 year, and the loan annual comprehensive rate is 24%, then if you choose to repay the principal and interest in one time, you will have to pay a comprehensive fee of 2,400 yuan; if you choose equal amounts The principal and interest will have to pay a comprehensive fee of 1,347.15 yuan; if you choose equal principal, you will have to pay a comprehensive fee of 1,300 yuan.

If the borrower also wants to calculate the monthly and daily comprehensive expenses, he can use the formula: annual interest rate = monthly interest rate 12 = daily interest rate 365% to convert the annual comprehensive expenses into a monthly comprehensive rate, The daily comprehensive rate is calculated based on the loan amount, term, etc.

2. Is the annual loan comprehensive rate of 24% high or low?

There is no precise answer. It depends on who you are comparing with. Here are several common fees. Make comparisons.

1. Private lending

The comprehensive rate of private lending, if the rate within the scope of legal protection is used as a reference, that is, it cannot exceed 4 times LPR for the same period, assuming a period of 1 year. Calculating based on the 1-year LPR announced on November 20, 2022 of 3.65%, 4 times LPR is 14.6%. In comparison, the annual loan comprehensive rate of 24% is relatively high, close to 8 times LPR.

2. Non-private lending

Refers to the online loan platform launched by financial institutions including commercial banks, consumer finance companies, etc. approved by the financial regulatory authorities. The legal upper limit of the annual comprehensive rate is not 4 times LPR, but 24% as the dividing line, that is, the annual interest rate within 24% is a legal interest rate and is subject to judicial protection.

Looking at this comparison, the annual loan comprehensive rate of 24% is just within the upper limit of judicially protected interest rates. It is a legal interest rate, but it is still lower than that.

3. Credit card installment rate

Credit card installment is interest-free but not free. It is also calculated according to the installment rate determined by the bank. The maximum credit card installment rate of most banks is 0.72% per installment, but the actual annual rate is not simply the monthly rate 12. After all, credit card installments always calculate the total cost based on the initial installment amount.

Therefore, the actual maximum installment rate of a credit card is close to 20%, and will not exceed 24%, which may be lower than the annual comprehensive loan rate of 24%.

Which one has the lower interest rate, Xiaoying Card Loan or Borrowing Card?

Jibei Beibei is lower. Xiaoying Card Loan currently calculates interest on a monthly basis. It mainly promotes three products: credit card repayment, small loan repayment, etc. Yingyidai and Elitedai, Xiaoyingka loan interest rates are also different depending on the loan term and loan amount. The current lowest monthly interest rate is around 0.83%, which is different from products such as Jiebei, Weilidai, and bank microfinance. Comparatively speaking, the loan interest rate is not low, but Xiaoying Kadai is still good for solving emergency fund problems