How to borrow money

You can apply for loans through unsecured credit loans from banks, credit loans from insurance companies or mutual fund companies, micro-loans, Internet loans such as ant borrowing, credit cards, bank mortgage loans (with an amount of 6,543,800,000 yuan, with no upper limit), trust institutions and personal mortgage loans (up to 30 million yuan).

1. Bank unsecured credit loan

The biggest feature of this kind of loan is convenience, low interest rate, unsecured and unsecured, with an annual interest rate of 4.5%, equal principal and interest for three years, and the maximum amount of a single bank is 600,000, which is basically the lowest interest rate of unsecured credit loans in the market at present. Some of these loans are issued in the name of credit cards, so the interest is very low.

Customers who want to apply for this kind of loan must be high-quality customer groups such as national civil servants, primary and secondary school teachers and institutions, or customers with mortgages and high net worth in banks, or people with trade union cards.

2. Credit loans from insurance companies or mutual fund companies

This loan is mainly for employees or business owners in ordinary units, with a maximum amount of 300,000 yuan and a monthly interest rate of 0.75- 1.5%. Some of these loans are for credit investigation, some are not, but the amount is 1 10,000, generally 55,438+0.5 million, mainly depending on several factors: social security, provident fund, life insurance policy, etc.

3. Internet loans (online loans) such as micro-loans and ant borrowing.

This product is an online loan, but I haven't operated it. I operate directly on my mobile phone. I have read the credit information of online loan customers. Many of them are miscellaneous. There are hundreds of thousands of online loans, some for one month. This makes personal credit information ugly, with many lending institutions and many inquiries. Therefore, I suggest that you don't order this kind of credit information, which will affect the later bank loans!

One more thing: don't check how much you can borrow on this online loan platform at ordinary times, because every time you click to check your credit limit, you will check your credit in the background, which is very unfavorable for you to apply for normal loans or credit card approval in the future! Remember! If you feel that you don't need to borrow money, you can apply for closure.

4. Credit card

If time is not urgent, you can apply for a regular bank credit card. Generally, credit cards can be repaid in full within one month without interest. If the pressure of full repayment is high, you can choose the minimum repayment amount or installment repayment. As long as you have a good repayment record, the amount will increase, and it is a lifelong credit with no interest. The general amount is1-50,000, and there are more than 200,000 under special conditions. This is much better than borrowing money from relatives and friends, but you must remember. Otherwise, it will be difficult to get a loan once it is overdue, so the credit card is a double-edged sword. If used well, it is cost-effective. If it is not used well, it is impossible for black households to borrow money. 20 1 1 I set up a business credit card, which cost 8,000 yuan, and now it has risen to 50,000 yuan. Several credit cards have been issued in recent years, adding up to hundreds of thousands, but they have never been overdue by one day, and each one is full.

All the above are unsecured credit loans. Let me introduce you to the real estate mortgage loan.

5. Bank mortgage loan (the amount is 654.38+0 million, with no upper limit)

This loan is second only to the mortgage loan.

Advantages are: large amount, up to 80% of the house price, low interest rate, annualized 4.8-7% (depending on the overall qualification of customers), long time, equal principal and interest for 30 years at the longest or interest before principal for 20 years. So the repayment pressure is small. However, such loans are relatively fancy to customers' repayment ability and personal credit information, and the requirements are relatively higher. The operation period was 1-2 weeks.

6. Trust institutions, personal mortgage loans (up to 30 million)

This loan is for customers who do not meet the bank mortgage loan, and the monthly interest is 0.78- 1.3%. This kind of loan is much lower than that of banks, and the interest is slightly higher than that of banks. The operation is relatively fast, 1-3 days.