What kinds of loans are there?

ICBC: Happiness Express-personal car consumption loans, happiness career-personal business loans, direct customer-personal housing loans, personal credit loans, personal mortgage loans, personal self-built housing loans and so on.

Agricultural Bank of China: personal car loans, personal production and operation loans, personal comprehensive consumption loans, general student loans, individuals, etc.

Bank of China: personal entrusted loan business, personal investment and business loans, personal consumption car loans, personal first-hand and second-hand housing loans, personal commercial housing loans and so on.

China Construction Bank: fast loans for small businesses, personal homepage loans, small secured loans for laid-off workers, personal business loans, personal car loans, personal commercial housing loans, personal provident fund loans and so on.

Long-term loans, also known as long-term loans, refer to all kinds of loans that enterprises borrow from banks or other financial institutions for a period of more than one year (excluding one year) or with an operating cycle of more than one year.

There are generally two ways for enterprises to borrow long-term loans: one is to deposit the loans in the bank and withdraw them at any time under the supervision of the bank; Second, a loan line is approved by the bank, and you can borrow as needed within the line. In this way, the money borrowed by the enterprise within the limit is directly credited to accounts such as "construction in progress" and "fixed assets" according to its purpose.

There are also different ways to repay long-term loans of enterprises: they can repay the principal by installments; Can also be a one-time debt service; You can also repay the principal and interest in installments.

What are the forms of bank loans?

First of all, answer directly.

There are roughly the following types.

Second, the specific analysis

1, consumer loan

The so-called consumer loan is actually a personal credit loan.

Borrowers don't need to provide any mortgage or guarantee, and they don't need to increase the number of borrowers. They just apply for loans by virtue of personal credit.

Because consumer loans are unsecured, unsecured and risky, the borrower's loan interest rate is usually higher.

Moreover, according to the regulations, the amount of consumer loans is limited, and most banks stipulate that the loan amount cannot exceed 200,000 yuan.

A few banks can increase the quota to 300,000 yuan.

2. Mortgage loan

Mortgage loan, in fact, means that the borrower needs to provide an item as collateral, as a loan guarantee, in exchange for a certain loan amount.

The requirements of collateral are easy to preserve, preserve value, not easy to wear and tear, easy to sell and recognized by the mainstream.

Common collateral includes houses, cars, watches and large insurance policies approved by banks.

3. Guaranteed loan

Secured loan actually means that a third party is willing to guarantee the borrower.

Generally, it is the method adopted when the borrower's personal comprehensive qualification is insufficient and he can't apply for a loan.

The guarantor and the borrower bear the same repayment responsibility. If the borrower can't repay the loan, the guarantor needs to bear the repayment responsibility.

So most people are unwilling to be guarantors.

At present, people who are willing to be guarantors are basically family members or friends of borrowers.

4、

It means that the borrower gives his movable property and property rights to the bank and takes back his pledge after repaying the loan.

Common pledges include securities, bank certificates of deposit, unit time certificates of deposit, etc.

5. Special loans

The so-called special loans refer to some special loans issued by banks in cooperation with the state.

For example, interest-free loans for college students' entrepreneurship, national student loans, interest-free entrepreneurial loans for farmers, and medical loans.

The application threshold, loan interest rate and loan amount of these loans are not unilaterally decided by banks. Generally, it is necessary to follow specific rules and regulations and go to specific departments for handling.

6. Insurance policy loans

Policy loan is a loan secured by a policy, and the policy must have cash value, but the types of policies undertaken by banks are limited, and there are fewer banks and outlets providing this business.

If you are not clear about your debt and online loan data, you can check it from Winnie Hsin and get a big data report on online loan, which contains detailed online loan application records, overdue details, blacklists and other data.

3. How many repayment methods are there for mortgage?

There are four ways to repay the mortgage, including.

1, equal principal repayment.

The repayment method of equal principal is adopted, and the principal included in the monthly repayment amount remains unchanged, and the interest decreases month by month.

Therefore, in the initial stage of repayment, the monthly repayment pressure will be relatively greater.

As time goes on, the repayment pressure will gradually ease.

The total repayment interest expense is less than the equal principal and interest.

2. Equal repayment of principal and interest.

This repayment method keeps the monthly payment unchanged, which is convenient for borrowers to arrange income and expenditure.

The interest included in the early repayment amount was more than the principal, but it was gradually converted into Dolly King interest in the later period.

3. Pay interest and principal on schedule.

After consultation with the bank, the borrower may decide to set different repayment time units for repaying the loan principal and interest.

That is, decide to repay once a month, quarterly or annually.

4. Principal repayment plan.

After consultation with the bank, the borrower repays the principal not less than 6,543,800 yuan each time, and the interval between two repayments is not more than 654.38+0.2 months, and the interest can be repaid monthly or quarterly.

This repayment method is suitable for users who have no fixed monthly income.

At present, the common repayment methods of mortgage include average capital and equal principal and interest repayment.

Besides borrowing flowers, what other reliable loans does Alipay have? Do you know all the eight major loans?

Mobile payment has become an indispensable tool in our daily life. Nowadays, many people can go out without their wallets, but they must bring their mobile phones. Alipay is a giant of mobile payment, and about 900 million people in China are using Alipay. It is very appropriate to use "tool library" to describe Alipay. Eating, drinking, clothing, food, housing and transportation can be solved through Alipay. For borrowers, Alipay is a "treasure App". In addition to borrowing flowers, Alipay has many hidden loans. Do you know all this?

1, excuse me

Borrowing is a series of products of ant borrowing, which mainly meets the large capital demand of users. The minimum loan amount is 50,000 yuan, the maximum loan amount is 300,000 yuan, the repayment period is as long as 24 months, and the daily interest rate is as low as 22,000 yuan.

It is worth noting that the loan is effective. It is currently valid for 30 days. If you accidentally pass the validity period, you can reapply after all the loans have been paid off.

2. Alipay reserve fund.

Alipay reserve fund is a 7-day loan service launched by Alipay for some eligible users. Each person can enjoy interest-free repayment within the specified period if the monthly loan amount is within 500 yuan.

3. Online commercial loans.

Online business loan is an operating loan product launched by Alipay for small and micro enterprises and individual entrepreneurs. The maximum loan amount 1 10,000, and the longest loan period 12.

4. Recruit good loans

Alipay's loan requires sesame to score more than 600 points, and this loan is no exception. This loan service is hidden in Alipay's sesame credit. People who want to apply for a loan must meet a prerequisite. Sesame credit score above 600 points is eligible to apply. The loan amount of a good-term loan is about 2,000 to 50,000 yuan, and the loan period is also calculated on a monthly basis. You just need to click on Credit Life at the entrance of Sesame Credit, find a loan with a good term, and fill out the application.

5. Be good at borrowing money.

Good Loan is a loan product jointly launched by Mi You Finance and Alipay. Users can apply for loans online by adding "Mi You Finance" service through Alipay. The maximum loan amount supported by Good Loan is 200,000. This product requires higher personal credit status of borrowers, and only users with sesame credit score above 700 have the opportunity to obtain loan funds.

6. China Post Consumer Finance.

China Post Consumer Finance is a consumer finance platform established by China Postal Savings Bank, which supports the maximum loan amount of 50,000 yuan and the longest loan period of 24 periods.

7. Consumer finance in Yin Bao.

Yin Bao Consumer Finance is a loan product launched by Baoshang Bank. The borrower must score more than 620 points and support the maximum loan amount of 50,000 yuan.

8. Interesting stage.

Fun staging is a consumer staging product. As long as the score is above 600, you can apply for interesting installment, and the loan amount is 2500 yuan.

It is worth noting that most Alipay loans need to reach a sesame score of more than 600 points, so it is very important to maintain good credit. If you need a loan, I suggest you apply for a loan from a bank or Alipay, which is safer and more reliable.

Rich flowers and micro-loans are both loan products similar to Alipay, both of which are big brands with the advantages of reliability and low interest rate, and are very popular among borrowers. (Click here to test the consumption amount for free)

Micro-loan is a consumer credit product launched by Weizhong Bank, a subsidiary of Tencent, which provides a loan amount of up to 300,000 yuan for WeChat and QQ users.

Qianhua is a credit service brand under Baidu Finance, a former subsidiary of Xiaoman Finance. Reliable, low interest rate, maximum amount of 200,000. It is worth noting that money depends on small technology, whether it is brand background, interest rate method, risk control or technological advantages, it is trustworthy to have money and spend low interest rates. The application for spending money includes two parts: age requirement and information requirement. With money, the applicant is required to be a non-university student between the ages of 18-55. I need to provide my second-generation ID card and my debit card to apply.

Comprehensive from: online loan home, Jufu Finance

What loans are there in WeChat?

Wechat has the following loans:

1, micro-loan.

Micro-credit, like ant borrowing, adopts the user invitation system. If there is no entrance to microfinance in the wallet, it proves that there is no function of microfinance. If you look through your eyes, you can't apply for a loan without an official invitation and an invitation from a micro-loan friend.

2, micro music points.

Like micro-loan, micro-loan is a white list invitation system, and users who receive the invitation can find the entrance of micro-loan in WeChat wallet. Weile powder can not only borrow money, but also pay back credit cards, and customers with micro-loans have a better chance to get the quota. Amount: up to 30,000 yuan, interest rate: the daily interest rate is about 0.045%.

3. Cash loan.

Cash loan is a personal small short-term credit product launched by P2P online lending platform Xinerfu and Tencent mobile QQ client. Loan amount provided by cash loan 100-500 yuan, term 1- 14 days. After filling in the required information such as bank, name and ID card, the credit approval can be completed in about two minutes, and the service of receipt can be completed in about 1 hour.

4, Xiaohua wallet.

"Little Flower Wallet" advocates "spend whenever and wherever you want". Xiaohua wallet is a loan that can be used, uploaded and swiped by mobile phone, which may become the next subdivision of Internet finance. It should be noted that we need to grab places every day.

5. Lightning loan.

Lightning loan is a cash loan platform based on WeChat launched by Palm Finance, and it is also a platform for members to invite loans. Users who borrow by lightning can obtain a credit line through credit authentication, and can borrow at any time within the credit line.

6, pea money.

As a portable credit wallet, the credit limit of Doudou Money is 1, 000-20,000 yuan. Users can search the official account of "Doudouqian" WeChat, fill in the information and provide relevant information through self-authorization, and they can quickly obtain credit and apply for cash withdrawal.

Wechat is a free application launched by Tencent on 201110, which provides instant messaging service for intelligent terminals. It was created by the product team of Tencent Guangzhou R&D Center led by Zhang Xiaolong. Wechat supports fast sending of free voice messages, videos, pictures and texts across communication operators and operating system platforms. At the same time, you can also use service plug-ins such as "shake", "drift bottle", "circle of friends", "public platform" and "voice notepad" to enjoy streaming media content through * *.

By the second quarter of 20 16, WeChat had covered more than 94% of smartphones in China, with 806 million monthly active users, covering more than 200 countries and more than 20 languages. [4] In addition, the total number of brands of WeChat WeChat official account exceeds 8 million, the number of mobile application docking exceeds 85,000, the advertising revenue increases to 3.679 billion yuan [3], and the number of WeChat payment users reaches about 400 million.

Wechat provides public platform, friends circle, message push and other functions. Users can add friends and pay attention to public platforms by "shaking", "searching for numbers", "people nearby" and scanning QR codes. At the same time, WeChat will share the content with friends and share the wonderful content that users see to WeChat friends circle. From April 20 1 year 18, we will pay by static bar code on WeChat, with a daily limit of 500 yuan.

Which platforms are more reliable?

The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.

The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.

1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.

2. Credit loan

The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.

Many people often take out loans for emergencies when their lives are in trouble. Baidu has money to spend: Du Xiaoman's micro-credit loan has a maximum amount of 200,000, a maximum loan period of 24 months, and an annual interest rate as low as 7.2%. The specific interest rate is subject to the loan page. Be able to borrow and repay flexibly, apply online all the time, without guarantee and mortgage. The results will come out in a few minutes at the earliest after submitting the application, and you can get the money on the same day after passing it.

3. Micro-loan: It is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, a domestic Internet bank, for WeChat users and mobile QQ users.

Micro-loan is invited. Invited users can see the entrance of micro-loan in mobile QQ wallet and WeChat payment, and get a loan amount of up to 200,000 yuan.

4. Zhaolian Good Term Loan: It is a loan service launched by Zhaolian Consumer Finance, which has occupied the top ten formal online loans for a long time. The formality of the platform is self-evident, and the loan amount is generally around 200,000-200,000. The production line can be recycled within 3 years.

5. assured loans have entrances in today's headlines and Tik Tok. It is a credit product of today's headlines. The application amount is 200,000 yuan, the use time is generally 12 months, and the daily comprehensive interest rate is generally around 0.03%-0.05%. Users with stable jobs can apply.

6. Jingdong Finance: Jingdong Finance belongs to the JD.COM platform, and its white bars and gold bars can help people in need to borrow money. There are fewer white bars and more gold bars.

7. Suning Finance should be familiar to many people, and its main loan product is Suning's discretionary payment. The loan amount that can be repaid at will can be as high as 200,000 yuan, mainly because the threshold for applying for the loan amount is low, which can meet the needs of adults over 18 years old, and they can apply if there is no bad record in the credit report.

8. Living expenses of Meituan: It is an online pure credit loan product under Meituan. The current loan amount is 200,000 yuan, the daily interest rate is between 0.02% and 0.05%, and the service life is 3- 12. High-quality users who often use Meituan to order food and buy vegetables will have a greater chance of passing the examination and approval, and the system will automatically approve the results within a few minutes.

9. Xiaomi loan

Loan products belonging to Xiaomi financiers provide installment services. The application process is a bit cumbersome, but it supports lending and returning. Generally speaking, it is a reliable platform.

10, Zhongyuan Consumer Finance: Zhongyuan Bank's products require a sesame credit score of at least 620 points. Borrowers can choose credit card mode, provident fund mode and salary card mode to apply according to their personal data. Generally, the down payment is between 5,000 and 50,000 yuan, and the daily interest rate is as low as 0.02%. It is also a very reliable lending platform.