How to get a personal loan?

Posted by sdgfdgf on August 29th, 2023

How to get a personal loan?

Nowadays, personal loan is very popular in credit enterprises. personal loan When I want to take out personal loan, I find that there are many kinds of personal loan products in the

Chinese market, with different personal loan management institutions and different interest rates. I don't know

which one is better for me.

At the same time, the industry of "personal loan" is directly related to the security of real estate, and there are many routines hidden in it!

Which personal loans can be borrowed and which personal loans should be left untouched?

1. personal Loans in the banking systemThe personal loan in the banking system has a high security factor, and there will be no usury, so you can rest assured about personal loan. It should be noted that some companies are consumer finance companies or small personal loan companies invested by banks.

These personal lenders may have a higher interest rate, but it's hard for them to loan shark. So you need to know if it's a bank institutional personal loan.

If you have a personal loan at the bank, we suggest you choose the real estate mortgage personal loan first, then choose different consumer credit personal loan, and finally we choose the credit card installment of multi�purpose funds. This chronological order is not strict either. Students need to be adjusted according to their own personal development needs.

2. Banks and consumer finance companiesIn the previous article, there are also consumer finance companies invested by banks, such as Ping An Puhui, Anju

Consumer Credit, Hubei Consumer Finance, Bank of China

Consumption, industrial consumption, etc. These are consumer finance companies supported by banks and formal institutions. But compared with banks, they have bigger assets and higher interest rates.

Pros: This kind of consumer finance company is for the average person. Since banks have higher credit requirements and stricter checks, consumer finance companies also have lower qualifications for themselves, making it easier to get a personal loan.

The interest rate for Chinese banks is 0.98 percent for consumers, 0.95 percent for industrial consumers, and the interest rate for most consumer finance is between 0.9 and 1.1 percent, which is relatively low.

3. Small personal loan companies

After 2011, small personal loan companies have grown up.

In recent years, they have grown rapidly. Interest rates are generally above 1.5-2%, and personal loans are lower than banks.

Many people think that small personal loan companies are loan sharks, but they are not. Why do some small personal loan companies pay a lot of interest each month?

Because in each month, the interest is divided into corporate interest payment platform company management fees. The management fee does not include interest.

Totally legal! There are many different letters and hybrids.

The water is very deep. It's recommended that you don't borrow money until you absolutely have to. If you really need the money, you should give it back when you have it.

Don't borrow money from a microfinance company more than once. The advantage is a loose audit and the disadvantage is a small audit volume.

Fourth, Internet personal loan

This kind of personal loan, commonly known as cash loan, is even lower than the personal loan limit of small personal loan companies. The online loan limit is extremely low, usually between 1,000 and 10,000 yuan.

Interest is calculated weekly, not monthly. Online lending platforms can borrow money after application due to their low threshold and fast review. In recent years, many people have been using it.