Yes

Interest-free loan is a form of credit activity in which banks or other financial institutions issue monetary funds at a certain interest rate and must repay them. The interest rate is charged free of charge by the bank according to the agreed conditions, or paid by the government or corresponding institutions. As we all know, an interest-free loan is a loan given to you by a bank. You don't need to pay any interest, just repay the principal. So, how can I get a loan without paying a penny of interest? What are the common interest-free loans provided by banks?

I. Student loans

Student-origin student loans are for children from poor families who are eager to study. During their college years, student loans do not pay interest (except commercial student loans). After graduation, the borrower pays the loan interest at the basic interest rate in September of the year of graduation.

2. Policy loans, curve clearance

Anyone with insurance can apply for a loan through a policy, and then pay it to the insurance company through a credit card for transfer. Not only can you get funds from the insurance company, but you can also make interest-free consumption through the interest-free period of the credit card. This is the safest method, and there is almost no interest.

Three. Risk loan

Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or is engaged in production and operation and is recognized by the bank, effectively guaranteeing the funds needed for his application for starting a business or starting a business.

JD.COM Bai Hua, IOUs, Meituan Monthly Payment and other products can enjoy interest-free concessions if they choose to return the consumption amount in full when repaying. For users who apply for cash loans, they can withdraw the loan funds to bank cards. At this time, the loan is not interest-free, and the user must repay the interest according to the page. If users want to apply for interest-free loans, they can try to open products such as Huabei, IOU and Meituan Monthly Loan. But if they need a cash loan, there is no interest-free cash loan.

Data expansion

Interest-free loans, that is, government subsidized loans, refer to eligible borrowers who go to designated banks without paying interest, as long as they repay the principal. The interest on these loans is paid by the local government finance.

What are the interest-free loans?

Interest-free loan type

1. Policy category. For example, student loans or corporate loans that meet government support.

2. Interest-free car loan. This is more common. Many vehicles provide car loans at the time of purchase, which are generally interest-free for one or two years.

3. Credit card loan. According to relevant regulations, the longest interest-free period of credit card loans is 58 days. If you use a credit card loan to buy a car or buy it by installment, you can enjoy interest-free concessions.

What are the terms of an interest-free loan?

1. 18-45 years old China people with full capacity for civil conduct.

2. The address is stable, and it is best to have a household registration in this city.

3. Good credit record, stable working income and timely repayment.

The above are the three basic conditions for interest-free loans, and their requirements will vary according to the types of interest-free loans and will change with the changes of local policies.

Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.

One routine of interest-free loans is called interest-free, but interest is harvested in disguise in the name of charging service fees, handling fees and benefits. The final annualized interest rate is likely to be several times higher than the loan! If you believe in loans from unknown sources, you may pay a higher price.

Furthermore, interest-free loans claim to be simple and quick to pay, but it is very likely that your personal information will be sold as soon as you turn your head. Imagine that the ID number, address and family income information submitted when you fill in the information are likely to be exposed to people. Even more frightening, you may need to take photos or record videos with your ID card. Once these personal information are sold by unscrupulous organizations, you will face terrible unknown dangers.

Is there really no interest-free loan? In fact, there are some government student loans, business loans, agricultural loans and so on. , are interest-free loans. Because of the policy support, they don't need interest, but these loans are aimed at specific people. For example, applicants for student loans are limited to college students with difficult family conditions, and lenders also need to meet the conditions stipulated by the state.

Is there a formal loan platform with low interest rates?

Regular bank loans with low interest rates;

1, e-loan for industrial and commercial finance

China Industrial and Commercial Bank, one of the four state-owned banks, has launched this kind of electronic loan with very low interest rate. Many people can borrow at an annualized interest rate of less than 5% for two years, and eligible borrowers can apply by themselves through mobile banking and other channels.

2. China Merchants Bank lightning loan

China Merchants Bank launched a large unsecured credit loan with low interest rate, with a minimum daily interest rate of 0.0 18%. Borrowers who hold a one-card savings card of China Merchants Bank, who are over 23-60 years old, have stable repayment ability and good credit, can apply.

3. CITIC Credit Seconds Loan

If the borrower is a payroll customer, a provident fund deposit customer or a mortgage customer of CITIC Bank, he can apply for this kind of second-credit loan without mortgage guarantee, and the annualized interest rate is as low as 4.35% ~ 15.68%, and the bank will make specific pricing according to the user's credit score.

4. Shanghai Pudong Development Bank pointed out that loans

Shanghai Pudong Development Bank launched online self-help personal credit loans for qualified customers. The loan interest rate is between 3.6%- 10%, and the loan term is up to 5 years. The borrower is over 20 years old, with stable income and good credit, and can try to apply for provident fund for more than 6 months.

5. Fast loan from China Construction Bank

This kind of quick loan has a low interest rate, which is generally around 4.5%. Moreover, the quota is high, so as long as you buy wealth management products in CCB, you have a greater chance of obtaining the approval of the quota. Log in to the mobile banking of China Construction Bank and click Quick Loan to apply. It is also very convenient.

What are the loans with low interest rates? Borrow money online and find these companies.

Most people are in urgent need of borrowing money, but no matter which lending platform needs to pay interest, lenders should compare with several platforms and choose the one with lower interest rate to save the loan cost. So, what are the loans with low interest rates? Here are a few online lending platforms for everyone. Let's have a look.

What are the loans with low interest rates?

1, 360 IOUs

Credit loans under 360 subjects, with a maximum amount of 200 thousand, can be applied with mobile phone number and ID card, and the whole process is approved by the system. The daily interest rate is as low as 9% of the annualized comprehensive interest rate. Non-college students of 65,438+08-55 can try it if they have a stable job and income.

2. Zhongan Small Loan

The pure credit loan launched by Chongqing Zhongan Co., Ltd. can apply for a maximum of 200,000 yuan, and one credit can be recycled. When the interest rate of the day is so low that the borrower meets the basic conditions, he will register with his own real-name registration system mobile phone number, fill in simple personal information and submit it, and the platform will evaluate and review it, giving the corresponding interest rate and loanable amount.

3. Doudou money

Pure online credit loans are for adults aged 22-50 who have stable jobs, good income and good credit information. The annualized interest rate is 7%~24%, and the minimum daily interest of the loan 1 10,000 yuan is less than 20,000 yuan. The specific amount and interest rate are subject to the approval result, and the loan will be released as soon as possible after approval.

4, the degree is small and full

Pure credit loan, direct online loan without mortgage guarantee, can get a maximum loan amount of 200,000 yuan, and the interest rate is relatively low in most online lending platforms. The annual interest rate as low as a specific interest rate depends on the borrower's comprehensive credit status. Borrowers with good credit, stable repayment ability and high platform activity are more likely to obtain lower interest rates.

The above is the introduction of "what are the loans with low interest rates". I hope it will help everyone.

What are the bank loans with low loan interest? These banks have low interest rates on small loans.

When applying for a loan, borrowers attach great importance to the loan interest rate. After all, the loan interest rate is related to how much interest the borrower needs to pay every month. The lower the interest rate, the less interest the borrower needs to bear and the less repayment pressure. What are the bank loans with low loan interest? The interest rate of these banks' small loans is very low!

What are the bank loans with low loan interest?

1, Yindian loan of Shanghai Pudong Development Bank

Yindian Loan is a loan of Shanghai Pudong Development Bank. The longest loan interest rate is between 0 and 5 years. The borrower must be at least 20 years old and have paid the provident fund normally for more than 6 months. Of course, the borrower's credit information can't be tainted, and his debt ratio can't exceed 70%.

2. China Merchants Bank lightning loan

Lightning loan is a small loan product under China Merchants Bank, and the maximum amount that users can apply for is 300,000 yuan. The longest loanable period of lightning loan is 24 periods, that is, two years. The minimum daily interest rate of loans is that users can choose to pay interest in one lump sum or in installments. There is no charge for repaying the loan in advance.

3. Electronic invitation for loans

E-loan is a credit card loan of China Merchants Bank, but according to the official statement of China Merchants Bank, you can try to apply for E-loan even if you don't have a credit card of China Merchants Bank. E invitation for loans does not require high qualifications of borrowers, and requires certain business dealings with China Merchants Bank and good personal credit information. E the daily interest rate of the loan is the highest, and the loan amount can be applied for 300,000 yuan.

4. Postal savings white-collar loans

"White-collar loan" refers to a loan product without any mortgage issued by the Postal Savings Bank to eligible borrowers under the condition of maximum revolving credit. The maximum loan amount for white-collar loans is 300,000 yuan, and the borrower must provide his/her valid ID card, work certificate, income certificate, marriage certificate and other materials.

The above is the related content of "What are the bank loans with low loan interest?" I hope I can help you!

The top ten conscience lending platforms have low interest rates.

Top ten conscience loan platforms

1, the degree is small and complete.

Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Users can choose their own loan products at will, and then make loans. Xiaoman's minimum daily interest rate is 0.02%, and he is online all the time and supports borrowing and returning.

2360 IOUs

360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age of the borrower is required to be between 18-55 years old, and it is temporarily closed to college students. If you want to apply for a loan in 360, the borrower's personal credit information must not have serious credit stains, and the debt ratio must not exceed 50% of personal income.

3. Didi loan

Didi Loan is a small loan product under Didi Finance. Adhere to regular licensed operation, and cooperate with many licensed and compliant financial institutions such as domestic commercial banks and consumer companies to provide lending services to users. Didi loan can provide users with a loan amount of up to 200,000 yuan, which can be repaid with the loan.

4.JD.COM gold bars

JD.COM Gold Bar is a personal consumption loan product under Jingdong Finance. Users can choose to apply directly in the personal center of JD.COM APP, or download Jingdong Finance. The maximum loan amount that JD.COM Gold Bar can provide to users is 200,000 yuan, which can be approved in real time and received in one minute at the earliest.

5. Doudou money

Doudou Money is a small loan product owned by Weixin Technology. At present, the maximum loan amount available to users is 50,000 yuan, and the minimum loan amount is 3,000 yuan. The minimum annual interest rate of Doudou Money is 13%, which is equivalent to the minimum monthly interest rate of 0.65%.

6. point e loan

E-point loan is a personal credit product launched by Yin Bei Consumer Finance Company. The amount that users can borrow is between 1, 000-50,000 yuan. Support users to borrow and return, with a minimum daily interest rate of 0.03%. E-point loan threshold is not high, but Xinjiang, Qinghai and three regions have not yet been opened.

7. White Cat Loan

White Cat Loan is a credit product launched by Guangzhou Du Zhi Internet Co., Ltd. The loan amount is 50-40,000, the loan service period is 3- 12 months, and the daily loan interest rate is 0.05%. Due to certain geographical restrictions, Ningxia, Inner Mongolia and Xinjiang are not supported for the time being.

8. Ping An I Loan

Ping An I Loan is a small loan product under Ping An Pratt & Whitney. One of its advantages is low application threshold, high quota and fast payment. Support users to borrow and return, with daily interest, and the minimum daily interest rate is 0.05%. The minimum loan amount is 2,000 yuan and the maximum loan amount is 500,000 yuan.

9. Zhong 'an Small Loan

Zhongan Small Loan can provide users with a maximum loan amount of 200,000 yuan, with a minimum daily interest rate of 0.02%. Of course, it is also a licensed institution. Zhongan small loan requires users to have no serious credit stains. As long as their monthly salary exceeds 2000 yuan, they can apply for a quota of around 1 000- 1 000 yuan.

10, comfortable flowers

Anyihua is a small loan product of Instant Consumer Finance. The interest rate of the licensed institution is strictly controlled within the statutory scope, with a maximum loan amount of 50,000 yuan. As long as the user's sesame score exceeds 620 points, he can generally borrow about 5,000 yuan.