1, quick loan from CCB. China Construction Bank Express Loan is the credit loan platform of China Construction Bank, including many different credit loan products.

Among them, the minimum threshold for fast loan e-loan application is 200,000 yuan and the maximum loan amount is 200,000 yuan. Users can try to apply as long as their personal credit information is good and they have relevant accounts in CCB.

2. Bank of Communications enjoys loans. Bank of Communications Enjoy Loan is a credit card loan product owned by Bank of Communications, which does not occupy the credit card limit and can give users a maximum credit limit of 6,543,800+0.5 million.

The threshold for Bank of Communications to enjoy loans is not high. As long as you have a bank of communications credit card, you can try to apply for a good loan at the bank of communications mobile banking.

3. China Merchants Bank E provides loans. China Merchants Bank E China Merchants Bank is a microfinance product of China Merchants Bank and a credit card loan product. The maximum loan amount that China Merchants Bank E can apply for is 200,000 yuan, which does not occupy the credit card limit.

Users with CMB credit cards can try to apply. If it is a preferential period, the daily interest rate of China Merchants Bank E loan is as low as 0.04%.

4. BOC e loan. BOC e-loan is a personal online consumer loan product of China Bank.

Users who have paid wages in the central bank for more than 6 months, paid mortgages in China Bank for more than 24 months, and paid provident fund in China Bank for more than 6 months can try to apply. The maximum loan amount of China Bank E loan is 300,000 yuan.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

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

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.