However, many high-quality professional customers think that their "iron rice bowl" is not enough. When they meet a colleague and get married and have children, they will tighten their belts next month! Don't talk about chasing girls, girls chasing boys and girls chasing girls are all across the car from their mothers!
Therefore, customers here have capital needs, and loan companies such as banks have opened up the market. High-quality professional customers can not only get the high quota that ordinary professionals can't enjoy, but also get the low interest rate that ordinary professionals have been longing for for for a long time. This professional advantage gives borrowers the right to choose products. So which of the high-quality customer credit loan products launched by many banks is better?
Good Loan Jun will give you an evaluation of high-quality professional loan products today for your reference!
First, Bank of Ningbo (white-collar)
Good loan comments:
Bailingtong is the originator of credit loans, and provides borrowers with a certain amount of RMB credit business according to their creditworthiness and contribution in Bank of Ningbo. Within the validity period and credit limit of the letter of credit, the borrower can handle the loan conveniently and quickly as needed.
According to your friend Jun, the credit line of White Collar Link is divided into 300,000, 400,000 and 500,000. The loan interest rate is linked to the customer's deposit contribution, and the lowest benchmark interest rate can be lowered by 65,438+00%. Blessed are the high-quality professionals who have deposits in Bank of Ningbo!
White-collar workers mainly face high-quality customer groups: the first category is civil servants; The second category is the staff of doctors, teachers and other institutions; The third category is finance, telecommunications, electric power, transportation, energy, tobacco, communications, listed companies in Shanghai and Shenzhen stock markets. Moreover, civil servants and career establishment personnel are directly admitted, and employees of enterprises with filing information can also enjoy this treatment.
If you are a high-quality customer base, don't miss the non-threshold loan!
Second, Bank of Ningbo (white-collar)
Good loan comments:
White-collar wealth management is a credit loan launched by Bank of Ningbo in direct selling banks for "quality customers", which belongs to unsecured network credit loan. The maximum is 500,000 yuan, and no interest will be generated if it is not used within 3 years. Quality customers only need to submit identity information, business application form and proof of income and provident fund.
The applicable population is basically the same as that of white-collar workers, but white-collar workers have a big bug, that is, they cannot obtain credit information, which is also a very attractive feature.
Three. Industrial Bank (White Collar Loan)
Good loan comments:
White-collar loan is a credit loan issued by Industrial Bank for the staff of administrative institutions. The longest loan term is 1 year, and the maximum amount is 300,000.
Borrowers of white-collar loans must be one of these categories: civil servants, employees of public institutions, doctors and nurses in hospitals above Grade A; Teachers and financial practitioners in public schools; Employees of state-owned enterprises; Employees of listed companies; Employees of Fortune 500 companies.
The requirements of the same occupation are similar, but the loan interest rate of excellent occupation is incomparable to that of ordinary occupation.
4. China Everbright Bank (White Collar Easy Loan)
Good loan comments:
White-collar Easy Loan has won the favor of the elite because of its simple and efficient application process. Applicants can contact the bank to apply for a loan with "one form+five certificates".
White-collar Easy Loan is also a tailor-made loan product for high-quality customers. It can be used for personal comprehensive consumption, and the amount can be recycled within the five-year loan period. If you don't use it, you don't need to pay any interest and fees, and there are many repayment methods. Customers can choose the appropriate repayment method according to their personal consumption.
Summary of good loans
The difference between white-collar loan products is mainly the loan amount and interest rate, and the threshold and application conditions are not much different. After reading the basic situation of the above four high-quality professional loan products, Haojiejun will analyze it for everyone:
1. Loan amount: Everbright Bank (1 10,000) > Ningbo (300,000-500,000) > Xingye (300,000), and the loan amount for white-collar workers of Everbright Bank is significantly higher.
2. Loan interest rate: Industrial Bank (6.26%) > China Everbright Bank (6.37%, calculated by 30% increase of the benchmark interest rate) > Ningbo Bailingtong (7.2%) > Ningbo Bailingrong (12%). The loan interest rates of Xingye and Everbright are similar, but the loan interest rates of the two products, both of which are Bank of Ningbo, are quite different, mainly white-collar loans.
3. Credit granting time: Ningbo and Xingye both granted credit for 3 years, with the longest 1 year; However, Everbright has granted credit for five years, and the longest loan period is also five years. If the credit period is long, the borrower can recover the loan during the credit period, and these products are products that are not used or paid, so if there is a long-term capital demand, the borrower can consider a longer credit period.
4. Material preparation: The less materials are needed, the simpler the handling process and the faster the natural allocation. Based on the products of these banks, because the customer groups targeted by the products are all elite customers, there are not many requirements for application materials, which can be described as low threshold access, usually personal identity information and income proof, provident fund or real estate proof.
5. Special requirements: since it is a white-collar loan product, the most critical requirement is occupation, and civil servants or employees of enterprises and institutions are the targets of such loan products; If you are a civil servant or a staff member of a public institution, you can directly apply for two products of Bank of Ningbo; Industrial Bank's white-collar loan focuses on the applicant's financial resources and credit status. If you choose Industrial Bank, you'd better provide the property under your own name to overweight yourself. They are all products applied by high-quality customers, but Everbright Bank has special requirements for age. Applicants must be between the ages of 30 and 55 to apply.
Product comparison summary: If the borrower has a large demand for funds, the good lender suggests directly choosing Everbright Bank, with low interest rate, long loan term and relatively less pressure on the borrower.
The advantage of Jiangsu Bank is the direct access threshold, which is undoubtedly a big advantage if the borrower needs emergency use!
There is a big difference in interest rates between white-collar workers and white-collar workers. If possible, it is recommended to choose white-collar workers.
Industrial Bank still attaches great importance to credit reporting as always. Although it is a good qualification to be superior to others, Industrial Bank still prefers borrowers with good credit information and property. Those who choose Industrial Bank must pay attention to these two points!
If your profession is a "hot cake" in the industry, you must not miss the silver medal.
The welfare of the loan!
(which products will be evaluated in the next issue, you have the final say! )
(Analyst: Xue)