Which do you prefer, bank loans or online loans? Why?

Borrowing is a kind of online loan. How low and convenient the interest rate is, can bank lending be compared?

Online lending and p2P online lending are not the same thing. But most people make mistakes.

Most people don't know the relationship between online lending and p2P online lending.

Alas!

First of all, thank you for answering your question.

I think it depends on dosage, interest, use time, convenience and safety.

Quota: Banks must apply for a higher quota. The best online loan is about 200,000-300,000, and banks can pay about 800,000 in a single payment. If it is a mortgage loan, the proportion of bank credit is about 70%, and some online loans are mostly credit loans.

Interest: Most banks usually show the annual interest rate, and most online loans show the daily interest rate. For example, the daily interest rate of 34,000 is low, usually the monthly interest rate is 2-3 points, so the annualized record of 33,000 =10.8% is still relatively high.

Time of use: bank credit loans are basically equal principal and interest, with interest first and principal later. A few highly qualified people can apply for loans and repay them with loans. The daily interest of online loans is repaid with the loan, but if it is used more often, it will also happen that it cannot be borrowed.

Security: Banks are definitely much safer than online loans. There is no objection to this.

Summary: If you can apply in a bank, you should apply in a bank. There are too many kinds of online loans in the market and the interest is so high. Too much use will also have a great impact on applying for mortgage and car loan in the future!

If there is no doubt that you can choose a bank loan:

Needless to say, the interest on online loans will generally reach more than 24% last year. What kind of demand can bear such interest? Most of the borrowers faced before online lending were customers with poor qualifications, and some even described online lending as "subprime lending". The general interest rate of bank credit loans is around 5-7%, which is relatively low. But if there is a choice, I believe no one chooses online lending.

The online lending industry is currently facing the retreat of the whole industry. Why did you retire? There is a simple reason. There are too many irregularities in this industry, and there are even many illegal or illegal behaviors, mainly in the "fund pool" and even running away with money. It is precisely because of hidden risks that the industry is currently facing an overall retreat. Many head platforms, such as Ruff College, have long been transformed from online lending business to consumer finance. Can online loans be assured?

Online lending does not require high qualifications for lenders. Generally, loans are quick. However, most of the online lending platforms that are still in operation are connected to hundreds of banks for credit information. If a lender defaults, it will also be reported. This is the same as banking. Don't take chances.

If the online loan is expected, it may face "violent collection", such as exploding the address book, sending the borrower's information to everyone in the address book, and may also be bombarded by phone calls and text messages. In short, there are great hidden dangers.

Inscription: Under the same circumstances, I definitely prefer to choose bank loans.

Because I always start my own business, I will definitely avoid sometimes having to issue some loans because of lack of funds. Of course, in this case, I must be the first bank loan. The main reasons are as follows:

Of course, not everyone is eligible to apply for a bank loan. While banks are formal, they also have high credit requirements for borrowers and stricter risk control. If the borrower has some irregularities and risks in the use of the loan. Then the bank will definitely take the way of stopping lending to avoid risks.

Before the state did not control it, the internet online loan finance industry was really a mixture of fish and pearls, and the routine was full. High interest rate, violent collection, borrower's credit investigation. In short, many people who encountered online loan routines later talked about the discoloration of online loans, and they couldn't wait to ask the relevant state departments to uproot online loans. Of course, I think illegal online lending must be completely destroyed without mercy. However, we can't deny the convenience that Internet finance brings to small borrowers.

Online lending is an inevitable trend in the development of Internet finance. Under the supervision of the relevant state departments, it will become more and more formal, needless to say. We should face him objectively.

Different customer groups have to match different prices, which is risk pricing. If you want to borrow money from banks and online loans, which one do you prefer to borrow? At least nine out of ten people will choose bank loans. Let me talk about the characteristics and differences between bank loans and online loans:

bank loan

1, the biggest advantage of a bank's loan from a finance company is its capital cost advantage. Banks can absorb their own deposits and the loan interest rate is much lower.

2. Online loan approval is much slower. Banks have strict supervision indicators on the quality of credit assets, and the audit is more stringent. Although in recent years, banks are also using big data, artificial intelligence and other technologies to improve the approval speed, they still can't be compared with online credit applications of Internet finance, which is the disadvantage of bank loans at present.

3, the customer base is relatively good, the bank's loan interest rate is much lower than that of online loans, so the corresponding qualification requirements for customers are also high, so in the loan group, the best customer base has gone to the bank.

Online loan

1, the capital cost of Internet finance companies is generally high. There are three main types of customers who will choose online loans. The first is the customer who pursues the approval speed and is not particularly concerned about interest. The second is the group that binds consumption scenes, such as mobile phone staging. These are the cooperation between the platform and external online lending companies. The third is that customers who apply for loans from banks are not qualified enough and choose online loans with high interest rates.

2. The credit line of banks is much higher than that of online loans, which are generally small and scattered retail loans. The retail loan amount is generally not high, and the risks are scattered, which is suitable for online loan companies with not particularly strong anti-risk ability. For some large enterprise projects, there are many ways to choose banks for hundreds of millions of loans. I haven't heard that online lending companies used to do real estate development.

3. The funds of online lending companies are generally invested by shareholders and issue financial bonds. Unlike banks with strong financial strength, the capital cost of online lending is higher than that of banks, which is why the loan interest rate of online lending is so high. In addition to the high capital cost, there is also the customer group's qualification is not as good as that of banks. As compensation for the risk, the interest rate is naturally much higher.

For some customers with poor qualifications, it is often not their choice between bank loans and online loans. Bank loans can't be approved, so we can only choose online loans. Those with low interest rates will not lend. Who wants to apply for a high loan? More often, there is no way. As far as banks are concerned, it is not easy for customers who apply for online loans to get loans from banks. So I usually advise others to choose banks as the first choice for loans. Even if it is slow, you must apply for a loan from a regular lending institution.

As a loan manager for ten years, I will briefly talk to you about this problem.

The first, the most common loan situation, mortgage and car loan.

Second, the more common situation of borrowing loans, borrowing loans to operate.

Third, the loan situation of a few people, personal loans, is used for consumption.

Fourth, the loan situation of a very small number of people is borrowing for bad hobbies.

For the first three of the above four kinds of people, basically, if they need money, they will definitely apply for loans directly from banks, especially car loans and mortgages. Basically, 90% of the loans are issued by major banks. These first three types generally have their own careers or stable formal jobs, and they can really go to the bank for loans.

This fourth kind is different. Generally, such people will not have a good job and development. Almost all of them are at the bottom of some societies, and their families and lives are in a mess. These people may have been borrowed by relatives and friends for a long time. After they can't get the money from the people around them, they are forced to be helpless, or they can't control their bad hobbies, and they begin to develop slowly in the direction of this loan. Generally, this kind of people, because they don't have a proper job, the bank will basically not give them loans. They can only borrow money from some private organizations or some improper companies, and once they borrow such money, their lives are basically ruined.

It can be said that in the loan industry, banks and online loans are two completely different rivers, and no one cares about anyone. In the minds of bank loan employees, these private online loans will never be seen, and there are strict restrictions on online loans in bank loan requirements. Banks generally require more than two online loans, and the amount exceeds 20,000. Don't go to the bank to borrow loans. Since you choose online lending, you lose the qualification to borrow from banks.

On the other hand, online lending is ok. Some loans of ordinary banks will not be restricted. However, compared with bank loans, the interest rate of online loans will be almost double or even more than that of banks in the same period. Some informal online loans can even reach an annualized high interest rate of 40%-50%.

Borrowing online loans and bank loans can't both be killed. For some normal friends who are in urgent need of loans, as a loan manager for ten years, I will give you some suggestions:

First, if the amount of money you spend is not large, less than 30,000, I suggest that no matter whether you are doing business, spending money or other urgent needs, don't go to the bank, because the procedures required by the bank are relatively complicated, and the amount you spend is too small, and the bank staff are unwilling to receive you. Finally, it takes time to borrow money. In the end, you may not be able to borrow it. In this case, you can. Ant lending, JD.COM gold bars, micro loans, although the interest is more expensive, but really convenient, especially suitable for these friends who need money badly but don't use much.

Second, friends who spend a lot of money are often hundreds of thousands, or even hundreds of thousands of millions. In this case, my friends, don't think about anything. Just go to the bank or call the bank's customer service phone for consultation. Never go online, because the bank's interest rate is very low. No matter whether you are doing business or spending a lot of money, you can basically bear this interest. Once you go online, it is beyond redemption.

Third, some friends who have bad habits say that most of these bad habits are used for gambling, brushing gifts for anchors, saving face, eating and drinking, taking care of lovers or whoring, and very few will be cheated by taking drugs. I suggest these friends stop at once. No matter what money you have borrowed or haven't started to borrow, don't get into the habit of raising loans with loans. Once you start to borrow unlimited money, your life will be gloomy. You can get rid of bad habits, but once you borrow money, you must pay it back. Even if you only borrow100,000, it may accumulate to 200,000 or 300,000, and one day you will go to the point of no return.

Hello, I have worked hard in the financial industry for more than ten years: Zhang Sheng talks about finance. In today's developed society, lending is also quite developed today; The speed from the next payment in a few days to the next payment in a few seconds is a good example! At present, there are many ways to obtain loans, such as banks, consumer finance companies, micro-loans, online loans and some specialized consumer finance institutions. This is often because some people who want to borrow money don't know how to choose, which is mainly caused by information asymmetry. If you compare bank lending with peer-to-peer lending, Zhang Shengxian introduces their differences respectively:

Let's just say that the bank gives you an umbrella on a sunny day and collects it on a rainy day. But online lending is even worse. Suck your blood in sunny days and kill you in rainy days.

To put it bluntly, who can borrow money from the bank will go to the online loan company to borrow money? To put it bluntly, there is no way. So for me, I won't even touch the online loan, because it is a bottomless pit!

I'll tell you a real case of my friend. 20 17 years is the craziest time for all kinds of online loan companies. But at first, my friends couldn't touch these things. Later, I stumbled into the flower garden by mistake, and soon I got my first credit card and officially started my loan road.

Later, my friend didn't stop and finally got stuck on this road. After the credit card was maxed out, my friend went to find an online loan, which probably used six or seven platforms, and each platform was about 1000 yuan per month!

But as we all know, online lending companies not only have high interest rates, but also have various benefits, such as beheading. What is beheading interest? In other words, you borrowed 6.5438+0 million yuan, and only 8,000 yuan came to your hand, but you must repay the principal and interest.

My friend's salary is only 5000 a month, and finally the interest is over 5000 a month. What can my friend repay? Obviously, I can't afford it. What if you can't afford it? Is all kinds of collection and intimidation. Otherwise, how can so many young people pay their lives for online loans? Of course, people who borrow online loans are at fault, but they are not guilty to death! All because of the high interest rate. Later, my friend's house was sold and the money was returned! At that time, the online loan company had not closed down or ran away!

Conclusion: Therefore, we should learn to deal with banks, although bank money is not easy to borrow. But when you buy a car or house in the future, only the bank can lend you a lot of money. Please cherish your credit and try to make money!

With the rapid development of internet finance, the market is flooded with various online lending platforms, and their interest rates are generally relatively high. Many users think that online lending is not good. In fact, the online lending platform and bank loans are complementary in function, and it cannot be said that bank loans are better than online loans. Let's talk about this topic today.

Because the product positioning, user groups and interest pricing of bank loans and online loans are different, the relative user experience is also different. If bank loans are really universal products, there will be no room for online loans. Each product has its own unique advantages, and will certainly meet the needs of a certain type of people. Only what suits you best is the most important, and the right money is the most useful.

I. Bank loans

Advantages are low interest rate, safety and reliability. Although the door of the bank is open to everyone, not everyone can get loans. The bank loan threshold is very high, with many application processes and slow review. It is very unfriendly to some people who are in urgent need of money and overdue. It is only suitable for large loans such as mortgages, car loans and commercial loans, and credit loans are difficult for ordinary people to borrow.

Second, the online lending platform

Online lending platforms are inherently low in threshold, high in quota and high in efficiency. You can get a loan by filling in the basic identity information, and even you can easily get a loan that is higher than the bank's quota. So many people are willing to pay more interest to save time and cost. After all, an emergency, such as a fire, needs money immediately, and you can't wait for the bank for months.

To sum up, bank loans are not necessarily better than online loans. Let's just say that they each have their own advantages. After all, most people need loans badly. You can't just look at the products with the lowest interest. We should seek the product that suits us best at present. Those who are in urgent need of money will find the fastest loan, those who have plenty of time will find the lowest interest, and those who want to make short-term turnover will find those who can borrow money or support early repayment.

Hello, everyone, I'm fish vlog. In my opinion, the reasons for choosing a bank are as follows:

The first bank was formal, and now the interest rate is low.

The repayment time of the second bank can be applied for for a long time, and the third bank has a large amount to meet the needs of different customers.

If it can be approved, the annual interest rate of bank loans is generally around 5.6%, and online loans are generally around 12%- 14%, and some are even higher.

I hope my answer is helpful to you.