1, ICBC wealth management e-loan

ICBC Financial E-loan was launched by Industrial and Commercial Bank of China. The annual interest rate of the loan is updated monthly with LPR, and the minimum annual interest rate is 0.5% of LPR, which can be said to be very low and quite reliable.

2. China Post Consumer Finance Plus Postal Loan

China Post Consumer Finance is initiated by China Postal Savings Bank and has a reliable banking background. The annualized interest rate pricing range is 10.8%-23.76%.

3. Safe little orange blossom

Ping An Xiaojuhua is a loan product of Ping An consumer finance, and it is also a regular licensed institution with a background of Ping An Bank. Annualized interest rate 14%-24%.

4. Microfinance

Tencent's micro-loan has been well known to the public and its brand is reliable. The daily interest rate ranges from 0.02% to 0.05%, and generally qualified users get an interest rate of about 0.03%.

5. Sorry

Borrow Bai is a subsidiary of Ant Group, and its strength is undoubtedly natural and reliable. From Alipay official entry, the daily interest rate ranges from 0.015% to 0.06%. According to feedback from most netizens, the real interest rate is 0.035%-0.04%.

6.JD.COM gold bars

JD.COM Gold Bar is a subsidiary of Jingdong Finance, with reliable background strength. The annualized interest rate is as low as 9. 1%, and the daily interest rate is as low as 0.0 19%.

7. Have money to spend

Qianhua is owned by Baidu Finance, a former subsidiary of Xiaoman Finance, and its brand is reliable. The annualized interest rate is as low as 7.2%, and the daily interest rate is 0.02%.

8360 IOUs

360 IOUs belong to 360 finance department, 1 0,000 yuan loan 1 year. The daily interest rate is as low as 1 cent, and the annualized comprehensive interest rate is as low as 7.2%. It is also a low-interest and reliable online lending platform.

9. Comfortable flowers

Comfortable flowers will be launched immediately with a formal license, with a minimum daily interest rate of 0.02%. It is understood that the maximum daily interest rate does not exceed 0.0483%, and the interest rate is already very low.

10, Didi loan

Didi Loan is a loan product provided by Didi Finance, which is based on Didi's behavior. The daily interest rate is the lowest 1.2, and the annualized interest rate is as low as 7.3%.

Which lending platform has the lowest interest?

The following lending platforms have lower interest rates:

First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.

Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.

3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.

4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.

Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.

Which bank has low interest on loans?

It is the four major banks and local support banks.

1. Four big banks

Among many banks, to ask which bank has the lowest interest rate, the interest rates of the four major banks are definitely lower than those of other commercial banks. According to the latest loan interest rate of 202 1, the minimum loan interest rate of the four major banks for five years is 4.9%, and the minimum loan interest rate for loans under five years can reach 4.75%.

However, it should be noted that if you want to apply for loans from the four major banks, the threshold for applying for loans is still relatively high. As state-owned enterprises, the four major banks have relatively strict qualification requirements for loan applicants.

In addition to the lender's personal credit information, other qualifications also need to meet the requirements of the bank.

2. Local support banks

If the lender can't handle the mortgage in the four major banks, then he can choose some local banks with policy support. For example, Dalian lenders can go to bank of dalian to apply for loans. As a local, bank of dalian usually gives some preferential loan interest rates.

Moreover, if there is policy support, such banks will be better than other commercial banks in terms of loan amount and lending time.

Generally speaking, when applying for a loan from a bank, if you want to choose a low and reliable interest rate, it is definitely right to choose the four major banks.

But lenders also need to judge according to their own qualifications. The better their personal qualifications, the higher the loan amount they can apply for and the lower the loan interest rate they can apply for.

Extended information:

Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital.

Including deposit interest, loan interest and interest generated by various bonds.

Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.

Every enterprise needs to borrow money from the bank in the process of production and operation. How to calculate the loan interest?

Under the requirements of the new accounting standards, taking short-term loans as an example, loan interest should be recorded.

For example, an enterprise borrows money from ICBC, the amount is 654.38+0 million, the time is three months, and the interest rate is 9%. What should financial personnel do? There are several specific steps:

When obtaining a loan, you can debit the amount of 6.5438+0 million to the bank deposit account and credit the amount of 6.5438+0 million to the short-term loan account.

When interest is generated, it can be calculated or not. There are two aspects to the maturity of direct payment.

First, if the interest is excluded, the short-term borrower with the amount of 6,543,800+0,000 can credit the financial expense account with the amount of 22,500 and the bank deposit account with the amount of 6,543,800+0.225 million.

Second, if you want to calculate interest on a monthly basis, you can debit the accrued interest of the first month to the financial expense account, amounting to 750,000 yuan, and credit 750,000 yuan to the interest payable or accrued expense account. Take the first month as an example, several consecutive accounting entries are the same. When the interest on the due loan is to be repaid, the short-term loan account can be debited with an amount of 6,543,800 yuan, which is recorded as interest payable or accrued interest.

As the occupation cost of enterprises, it directly affects the economic benefits of enterprises. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the financing process. If enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will certainly be improved.

Which loans have low interest rates?

The bank loan interest rate is relatively low:

1. China Merchants Bank's lightning loan: China Merchants Bank's credit loan can be applied directly in China Merchants Bank's mobile banking, with a maximum amount of 300,000 yuan and a maximum loan of 5 years. Lightning loans have preferential interest rates. On March 3 1, 20021,you can get a 10% discount coupon on Monday, and the preferential interest rate is not lower than the annualized interest rate of 5.04%.

2. CCB Express Loan: CCB Express Loan is also a personal credit loan product with a relatively low interest rate, which was as low as 4.35% before, but the specific interest rate is differentiated by the system according to the borrower's credit, contribution and other factors. You can also participate in activities to receive coupons and enjoy preferential interest rate discounts.

If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%

I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.

It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.