Formal platform for large loans

Which one is the best for large loans?

The top ten conscientious large-amount loan platforms are:

1. JD Gold Bar:

JD Gold Bar is a cash borrowing service provided by JD Finance. No mortgage is required. You can borrow money by ordering a stored-value card or credit card, and the maximum cash withdrawal limit is 200,000.

2. Jiebei (Credit Loan):

Jiebei (Credit Loan) is a loan service launched by Alipay. Depending on the Zhima score, the loan amount that users can apply for varies. , the maximum amount is 300,000.

3.360 IOU:

360 IOU is a consumer credit brand under 360 Digits Group, with a maximum loan limit of 200,000. Anyone aged 23 to 55 has the opportunity to apply.

4. Dishui Loan:

Dishui Loan is a loan service launched by Didi Finance. It adopts a pure credit loan model with a maximum limit of 300,000.

5. Anyihua:

Anyihua is a consumer loan product launched by MaMa Consumer Finance, providing users with a credit limit of up to 200,000.

6. Haoqi Loan:

Haoqi Loan is a credit consumer loan launched by China Merchants Union Financial, with a maximum limit of 200,000.

7. Fenqile:

Fenqile is a consumer installment platform under Lexin, and you can borrow up to 200,000 yuan.

8. White Cat Loan:

Baimao Loan is a credit product under Zhidu Small Loan, with a maximum limit of 5 million.

9. Borrow money from HuaYa:

You can get a maximum limit of 200,000, and you can borrow it by providing your ID card and bank card.

10. Money-raising flower:

Money-raising flower is a loan product of Zhongyuan Consumer Finance, with a maximum loan limit of 200,000.

Loans (electronic IOU credit loans) are simply understood as borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined time limit or to quickly realize cash without loss, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis for the bank’s continued operations.

For example, if a long-term loan has a higher interest rate than a short-term loan, the efficiency will be good. However, if the loan period is longer, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony between the "three natures" so that there will be no problems with loans.

Repayment method:

1. Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same;

2. Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) throughout the repayment period, and pay it off at the same time A repayment method based on loan interest from the previous trading day to the current repayment date.

In this way, the monthly repayment amount decreases month by month;

3. Monthly interest payment and principal repayment on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [with a period of less than one year] (Applicable to loans (including one year)), the interest on the loan is calculated on a daily basis, and the interest is returned on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can apply to the bank to repay part of the loan amount in advance. Generally, The amount is 10,000 or an integral multiple of 10,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period have changed, but the repayment method remains unchanged, and the new The repayment period shall not exceed the original loan period.

5. Repay the entire loan in advance: The borrower applies to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and repay at any time: The interest after borrowing is calculated on a daily basis, and one day is used to calculate the interest. You can settle the payment in one lump sum at any time without penalty.

What are the large-amount loan platforms?

Not only that, large-amount loans are also a hot topic that many friends are concerned about. Especially for many friends who are doing business and starting a business, they need large amounts, so large loan platforms will be a good choice. What are the large loan platforms? I have summarized eight large loan APPs for you.

1. China Merchants Bank Flash Loan

It is a bank credit loan and does not require mortgage guarantee. You can apply directly at China Merchants Bank Mobile Banking, but generally only high-quality customers can obtain flash loan qualifications, with a maximum of 30 The limit is RMB 10,000, but it can only be used for personal consumption purposes such as car purchase, decoration, shopping, and travel.

2. Bank of China e-Loan

A pure credit consumer loan from Bank of China. Only specially invited customers of Bank of China can apply. Bank of China will use the Internet and big data technology to grant credit to customers. The amount is 5,000 yuan. The maximum loan amount is 300,000, which can also only be used for personal consumption. The funds cannot be used in real estate, investment and other fields.

3. CCB Quick Loan:

CCB’s pure credit loan can be divided into several types of products: Quick E-Loan, Rong e-Loan, and Pledge Loan. Invited customers can apply through CCB Self-service application through electronic channels, online signing, and real-time approval. Ordinary customers can obtain a maximum loan amount of 50,000 yuan, and financial and private customers can obtain a maximum loan amount of 500,000 yuan.

4. Borrowing

The maximum borrowing limit is 300,000 yuan, which is generally around 10,000 to 30,000 yuan. The interest is calculated on a daily basis and the daily interest rate is. If you have a Zhima Credit score of 600, you will have the opportunity to be invited to open it by the system. You can borrow money on a recurring basis within the credit limit, but the borrower needs to be re-evaluated each time you apply.

The above is an introduction to the 10,000 yuan large loan platform. Interested friends can download the APP to apply.

What are the "large-amount platforms similar to Yirendai"? 6 reliable loan platforms for you to choose from

With the development of the financial Internet, many scales have emerged on the Internet For relatively large loan platforms, when people choose loan opportunities, they will naturally give priority to some online loan platforms with good reputations. Yirendai is a very popular online loan platform at the moment. What are the large-amount platforms similar to Yirendai? What are the reliable large loan platforms? Let’s recommend some reliable online loan opportunities to you.

Xinerfu

Xinerfu is also very similar to Yirendai. Its life loan can provide you with loans of no more than 200,000 yuan, which can be repaid in 36 installments. Interest rates are as low as 0.06. Currently, Xinerfu’s pass rate has remained at a high level. It should be noted that if a loan from Xinerfu is overdue, you will receive a collection call.

Gome Easy Card

Gome Easy Card is Gome Financial’s first credit installment project in the field of consumer finance. The products cover revolving lines, provident fund loans, online shopping, credit card repayment services and many other services, with the limit up to 50,000 yuan. Those who are overdue need to pay repayment penalty on a daily basis; staff collect collection through phone calls, text messages, etc.

Renrendai

Renrendai is a relatively well-known online loan platform that provides loans. The quota is also relatively large, with a history of 8 years.

Renrendai can provide everyone with loans of no more than 200,000 yuan, with monthly interest rates as low as 0.778. From the moment you apply for a loan to the time the funds arrive, it can basically be done within an hour.

Paipaidai

Paipaidai is a large-amount platform similar to Yirendai and has also been successfully listed in the United States. The loan limit of Paipaidai can reach 200,000 yuan, and the loan terms are available in 3 months, 6 months and 12 months. The credit limit of Paidai is evaluated based on the information you submit, so the more complete your information is, the higher the credit limit will be.

Weilidai

Weilidai is a cash loan product of Tencent. It is the most popular and reliable loan product besides Jiebei. The maximum loan amount of Weilidai is 300,000 yuan. It adopts a daily interest calculation method with a daily interest rate of 0.05. The interest rate is 5 yuan per day for 10,000 yuan. It can also be recycled and used to withdraw cash. It is currently very popular among young people and can be found on QQ and WeChat.

Jingdong Gold Bar

Jingdong Gold Bar is a cash loan product of Jingdong. It does not require any mortgage and the interest is calculated on a daily basis. The daily interest rate is between 0.04~0.095. It can be used at any time. Borrow and repay at any time, users can repay in 1, 3, 6, or 12 installments, and can apply for a maximum of 300,000 yuan.

What are the large-amount platforms similar to Rentai? What are the reliable large loan platforms? The above are the relatively reliable large-amount loan channels recommended to everyone. These loan channels mainly provide borrowers with large-amount loan services. The platform will review the borrower based on the actual situation, and only those who meet the platform's standards can obtain the loan issued by the platform. The loan approval rates I recommend are very high, and borrowers can apply for loans with confidence.