If the lenders are institutions, top 500 enterprises, teachers, doctors and other high-quality industries, most banks also have certain discounts.
If you need a loan of 500,000 yuan, you can choose the following methods:
Housing mortgage loan (lowest interest rate)
The maximum amount of mortgage loan that can be applied for is 70% of the appraised real estate price recognized by the bank, and the longest term is 10 year.
Policy loan credit loan (relatively low)
Policy loans generally require the purchase of life insurance for more than 2 years, and the maximum amount can be paid 45 times a year according to the insured amount, the maximum period is 3 years, and the maximum amount is 500,000 yuan.
Credit loan (relatively low)
According to the monthly income of office workers, the amount is 5~ 12 times of the monthly after-tax income, and most of the term is 1-3 years. According to the personal comprehensive situation, most banks have similar credit loan products at present.
How can I get a loan with low interest rate?
1. Protect personal credit and don't overdue it. Whether there is a loan demand or not, you should protect your credit. A good credit record must have an advantage in the process of applying for a loan.
2. Say goodbye to the white tiger. Appropriate lending can let institutions know whether borrowers have good credit. If your credit history is blank, it is difficult for the lending institution to evaluate it.
3. Cherish the third-party credit report. Today, Sesame Credit and Tencent Credit Information are representatives of third-party credit information. If borrowers can maintain good consumption habits on the platform, they can also get convenient internet loans.