? I believe many friends have watched or heard of the TV series "Ode to Joy" that just ended. The five girls in the show have different personalities and distinct personalities, which is impressive. In the plot, Fan Shengmei, played by Jiang Xin, was hospitalized due to a sudden stroke by her father and was in urgent need of 100,000 yuan for surgery. Fan Shengmei had no savings and could not borrow money. In the end, she had to mortgage her brother's house and borrow money from her neighbor Andy's boyfriend Wei Wei. money.
? It can be seen how important it is to have a few wealthy friends at critical moments. But the TV series is fictional after all, and not everyone has friends as rich and generous as Andy and her boyfriend. But having said that, there are still many channels for emergency borrowing in reality. Today Xiaotao will introduce a few to you.
? First, let’s summarize Fan Shengmei’s borrowing needs: the amount is 100,000, which can be received immediately, and the interest cannot be too high. In the play, Wei Wei proposed that if he did not mortgage the house, he could only accept a one-year term, 3% monthly interest, and a repayment method of interest first and principal later. The monthly payment is 3,000, and the principal of 100,000 will be repaid by the end of the year, with the principal and interest being 136,000. As an HR of a foreign company, Fan Shengmei's average monthly salary should be around 10,000 yuan. In addition to subsidizing her family, plus daily rent and living expenses, Fan Shengmei said she couldn't afford it, so she had to choose to use her brother's house as a mortgage.
? Xiaotao learned that many Internet platforms on the market now have credit loan products, and relatively well-known platforms with a limit of more than 100,000 mainly include Ant Borrowing, Jingdong Gold Bar, Tencent Weilidai, and Ailidai. Products such as Qianjinqian Station and Feidian.
? Ant Jiebei
? The maximum amount of Jiebei update is 300,000, which will be credited within 3 minutes. The daily interest rate is 0.03%-0.05%, with 6 months and There are two terms of 12 months, and you can borrow and repay at any time. There is no handling fee for early repayment, and the repayment method is an equal amount of principal. According to the plot, Fan Shengmei is a senior HR in a foreign company with a monthly salary of 10,000. In addition to subsidizing her family, she also buys for herself. The unit prices of various clothes and cosmetics are not cheap. On Taobao (although it is Vipshop in the drama) Your consumption must be very high, so it shouldn’t be difficult to get a 100,000 line limit and a lower interest rate.
If calculated based on the medium interest rate of 0.04%, if you choose the repayment method of equal principal, you will have to repay more than 8,000 yuan per month, and the interest for one year will be 7,366.67 yuan.
? JD.com Gold Bars and Tencent Micro Loans
? The maximum credit limit for JD.com’s “gold bars” is 100,000 yuan, which will be credited in about 15 minutes. The daily interest rate is up to 0.05%. 1 The loan terms are 1-month, 3-month, 6-month and 12-month. It supports borrowing and repaying at any time, and repaying in equal principal and interest installments.
? The total limit of Weilidai is 200,000-5 million yuan, and the fastest arrival is one minute and the latest is 15 minutes. The daily interest rate is 0.02%-0.05%, and the terms are 5, 10, and 20 months. Three types support borrowing and repaying at any time, with equal repayment of principal and interest.
As mentioned above, Fan Shengmei should also be able to get a 100,000 credit line from these two companies, and the interest rate is similar to that of Borrowing. However, the degree of openness of these two companies is not as high as that of Jiebei, and their payment time is slightly inferior to that of Ant Jiebei. However, Weili Loan can be paid in 20-month installments, with a monthly repayment of about 5,000, which is more suitable for her financial situation.
? Qianzhan and Feidai
? Qianzhan has a limit of 10,000 to 150,000 yuan. It only takes 20 minutes from registration application to loan disbursement, and the monthly interest is 2.09%-2.69 %, with a maximum term of up to three years, and equal repayments of principal and interest. Calculated at 2.09%, the monthly repayments for a three-year period would be around 2,800, which seems acceptable.
? The maximum limit of Feidai is 300,000, which can be credited immediately. The monthly interest is 1.98%-2.18%. The term can be up to 24 months. It can be extended or shortened at will, with equal principal and interest repayments. Feidai supports partial and full early repayment, but charges a handling fee. Based on the monthly interest rate of 1.98%, the monthly repayment for a two-year period is about 4,300 yuan.
? Taoqianbao summary:
? In summary, based on Fan Shengmei’s economic situation, the more suitable methods are Weilidai, Qianzhan and Feidai.
Weilidai has the highest monthly repayment amount, while Qianzhan has the lowest; however, Feidai and Qianzhan need to fill in information and undergo review, which will take some time.
? Internet finance is becoming more and more developed, and there are more and more loan methods and products for individuals to choose from. If you are in urgent need of money, you can also try loan search platforms such as Rong360 and Taoqianbao. Check it out, multiple channels are always good, you don’t necessarily have to ask friends to borrow money.