How to borrow money by mobile phone is the fastest and safest?

First, how to borrow money by mobile phone is the fastest and safest?

100% of the borrowing platforms can be borrowed. It is easier to borrow money without looking at the formal borrowing platform. How to choose a regular online loan? When choosing loan software, borrowers usually pay attention to low loan interest rate, complete qualifications, large loan amount and good platform reputation. If possible, everyone wants to apply for a bank loan. 1, bank loans: Common bank loans include: ICBC e-loan, China Merchants Bank e-loan, lightning loan, CITIC New Fast Money, Pudong Universal Fund, etc. 2. Personal network/consumer finance: one is to see whether there is a loan qualification, that is, whether there is a financial license issued by the central bank; One is to see if the loan interest rate is reasonable. Generally speaking, a reliable company will specify the loan cost, and the annualized interest rate will be within 36%, that is, the annualized interest rate will not exceed 4 times of the LPR in the same period. The stronger the shareholders behind the company, the higher the reliability. If the shareholders of the company are central enterprises, large state-owned enterprises and enterprises with high social visibility, then the company is still relatively reliable. Top ten loan platforms, top ten conscience loan platforms recognized by the state! 1, Baidu Consumer Finance: Baidu Consumer Finance not only holds the online small loan license, but also indirectly obtains the consumer finance license by taking a 30% stake in Harbin Consumer Finance. Its strength cannot be underestimated. The representative product is a pure credit loan with money to spend, which is lent in cooperation with seven major banks. The maximum amount is 200,000, and the daily interest rate is as low as 0.02%. Without mortgage guarantee, you can apply by providing your second-generation ID card and my debit card. The approval is fast and the loan is fast. Borrowers with good credit can try. Xiaoman-Rich Flowers (the second batch) Click online measurement.

2. 360 Finance: 360 has a good financial strength. By acquiring or participating in its subsidiaries, it holds six financial licenses, including insurance brokerage, online small loan, gold exchange, financing guarantee, consumer finance and fund agency license. On behalf of the product, there are 360 IOUs, which are pure credit consumption loans and unsecured guarantees. Credit application, Chinese mainland residents aged 18-55, provide ID card and mobile phone number password to authorize the binding of savings card to get a loan, with a maximum amount of 200,000 yuan and a daily interest rate of 0.027%, which is suitable for office workers. Click online measurement

3. Ping An Consumer Finance: In April 2020, it was granted a consumer finance license by China Banking Regulatory Commission, and officially opened on April 23, with a registered capital of RMB 5 billion. Ping An Group holds 30% of the shares, and three affiliated companies in lufax hold 70%. On behalf of products, Ping An Bank's new loan (quick loan) can be up to 500,000 yuan! 0 mortgage, 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a new Ping An loan with an average monthly income of more than 4,000 yuan (provident fund, mortgage, insurance policy).

Second, how to get the fastest loan on the mobile phone?

Online loan, two-hour loan

3. What should I do if my mobile phone often receives loan text messages?

Mobile phones frequently receive various loan text messages, and there are the following solutions:

1. You can set short messages in your mobile phone, select the blocking function, and eliminate some advertisement short messages.

2. You can blacklist the number of texting, and manually add the number or text that needs to be blocked.

3. You can complain to the operator.

4. You can download the mobile phone housekeeper to intercept some spam messages.

5. Be careful not to leave your mobile phone number frequently when downloading and logging in some APP applications to prevent information from leaking.

Bank loan refers to an economic behavior that banks give money to people in need according to national policies and return it within the agreed time limit.

Generally, a bank loan can only be applied if it has a guarantee, a house mortgage, a proof of income and a good personal credit.

Credit conditions

1, letter

The credit line is the limit in the agreement between the borrower and the bank.

2. Revolving credit agreement

Revolving credit agreement is a loan agreement reached by banks through a certain maximum amount.

3. Compensatory balance

The compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).

Mortgage, also known as house mortgage. Apply for housing mortgage loan, provide ID card, income certificate, housing sales contract, letter of guarantee and other legal documents that must be submitted to promise to issue the loan, and according to the housing sales contract provided by the purchaser and the mortgage registration notarization between the bank and the purchased property, within the time limit stipulated in the contract, the bank will directly transfer the loan funds to the bank account of the selling unit.

How to repay the loan more economically?

Compared with the two repayment methods, in the case of full repayment, the interest paid by "equal principal and interest repayment method" is higher than that paid by "equal repayment method"

But not everyone should choose the "average capital repayment method" to repay the loan, but also combine their own financial situation.

For people with diversified incomes, the "average capital repayment method" can be adopted.

If the cash strength is relatively strong, but there is no willingness to repay the loan in advance, the "average capital repayment method" can be used to repay the loan. As time goes on, the repayment of each installment will gradually decrease. Although this repayment method has great pressure on funds in the early stage, it can alleviate the pressure in the future.

If you are a civil servant, an ordinary teacher, a general scientific researcher, or have a simple job, it is recommended to choose "equal amount", which is conducive to better arranging your life in advance.

In addition, remember that if you want to repay the loan in advance, the interest paid will not be refunded. Friends who want to repay the loan in advance should comprehensively consider the amount of principal and interest that needs to be repaid in one lump sum, and then choose the "average principal repayment method" or "equal principal repayment method".

In addition, friends who want to repay the loan in advance should also consider the opportunity cost of repaying the loan in advance.

4. How can I get a loan with my mobile phone number, bank card and ID card?

For example, a small amount of money is not enough.

as follows

Application conditions:

1, aged 22-60, with China nationality (excluding Hong Kong, Macao and Taiwan residents).

2. The monthly income of punching cards is not less than 2,000 yuan, and he works and lives locally.

3. At present, the company has officially registered employees who have worked for 6 months.

4. Monthly income of general loans 10- 15 times.

5. White households must pay more than 3,000 yuan (social security and provident fund must be the same) or enterprises, institutions and civil servants have no social security and provident fund.

Preparation materials:

1, ID card (second generation)

2. Work permit, work permit, social security card and provident fund card.

3. Personal flow in the past six months (/kloc-valid within 0/0 days)

4. Proof of address (such as lease contract). /kloc-invoices for water, electricity, gas and fees within 0/month, and address certificates issued by the unit or the village committee are not required.

5. House book or purchase contract

6. Proof of income

7. Credit report (the customer is not required to provide it at present, and the product department will take the customer to type it later. Depending on the bank, the maximum charge may be 100 yuan)