Friends who have borrowed money know that you can pay interest first and then the principal. Suitable for friends who have great repayment pressure in the early stage. As long as the interest is paid every month, the last installment will pay the principal and interest. In addition to borrowing, there are many platforms that can also pay interest first. Today, I will take stock of several platforms similar to borrowing money first and then repaying it, and see which one will be everyone's dish.
Similar to the platform inventory of borrowing money first and paying interest later:
1. Qianhua: small full credit loan, with daily interest, and the longest loan 1 year. There are two repayment methods: interest first, equal principal and interest, subject to the loan page. At least 18~55 years old, can provide my original debit card and second-generation ID card, and non-university students can apply.
2.JD.COM Gold Bar: The credit loan of Jingdong Finance can be lent for up to 24 months, with daily interest. Interest paid first is also supported, but it is only available to some users. Specific to the loan page shall prevail. 23-55-year-old, who has completed the real-name authentication with a JD.COM hukou and bound a bank card, can try to get a loan.
3. CCB fast e-loan: CCB personal credit loan is a sub-product of CCB fast loan. The credit line can be used for shopping on some domestic e-commerce websites, POS card consumption of merchants and cash withdrawal. The maximum loan period is 12 months, and the interest is calculated according to the actual loan days, and the interest is paid first. On the repayment date of each month, the system will automatically deduct the interest due in the current month and repay the principal and interest when it is due.
4. Lightning loan: personal consumption credit loan issued by China Merchants Bank without mortgage guarantee. Age 23~60 years old, holding a one-card savings card of China Merchants Bank, with good credit and repayment ability, can apply in China Merchants Bank's mobile banking, with daily interest, and can provide two repayment methods: equal principal and interest, interest first and principal later. You can find the loan record in the mobile banking app.
The above is the introduction of "a platform similar to borrowing money first and then paying interest", and I hope it will help everyone.
What are the loans with interest first and principal later?
At present, there are many banks that can make credit loans with interest first and capital later, such as China Construction Bank, Bank of Communications, Agricultural Bank of China, Bank of Ningbo and China CITIC Bank.
First, let's make sure what your funding gap is. The credit limit of a single bank is 300,000 to 500,000, and at most 8 to 65,438+00 banks can be operated at the same time. In other words, a single credit loan can be handled up to about 3 million yuan, and both husband and wife can handle up to 6 million yuan. These banks are skillful in dealing with which one is first. If the order is wrong, it will make it difficult to handle subsequent loans. If you don't spend much money, you can handle it yourself. If you spend a lot of money, it is recommended to find a professional loan agent to help you plan. And each bank has different requirements for borrowers. Some banks look at your income, some banks look at the nature of your unit, and some banks look at it.
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.
A loan platform with interest first and funds later?
Hello, what are the regular loan platforms? Agricultural Bank of China, Postal Bank, Shanghai Pudong Development Bank, China Industrial and Commercial Bank and China Construction Bank. Interest first and then principal, that is, interest first and then principal. This kind of loan will have less repayment pressure for the lender, but the interest to be paid after the interest is paid first will be higher than the interest to be paid in the average capital. What kind of repayment method to choose still needs to be decided according to your repayment ability.
Where the direct account is the most reliable, and compared with other loan methods, the online loan platform is convenient to apply for loans and fast to lend, but paying attention to choosing a formal platform when applying for online loans can better protect personal interests and information security. At the same time, be careful not to pay the pre-loan fee to avoid being cheated.
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200,000 (click the official free test amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
A formal loan platform with interest first and funds later? You can look at these five.
Most of the repayment methods supported by the loan platform are average capital or equal monthly payment, but these two methods may not be suitable for friends with heavy repayment pressure in the early stage, so I want to find a platform that supports paying interest first, so I only need to pay a small amount of interest in each period, and finally pay off the principal in one lump sum. So, what are the formal loan platforms that pay interest first?
1, borrowed by ants
It is a subsidiary of Ant Group and has a strong brand background. Generally, people who make good use of flowers can easily get a loan amount, up to 200 thousand. Repayment can be divided into two types: equal monthly payment and interest repayment in advance. The longest repayment can be divided into 12 installments. You can choose from the "How to repay" column of the loan page.
2.JD.COM gold bars
It is tailor-made by JD Finance for JD.COM users. For friends who often shop in JD.COM, the amount is generally not low. According to feedback, most of them are 50,000 cases, with an upper limit of 200,000. There are three repayment methods: average principal, equal monthly payment and interest before principal. The longest installment number is 24, and the user turnover time is longer than usual.
Step 3 have money to spend
It is a credit service brand under Xiaoman Finance and a formal licensed loan platform. Interest is calculated on a daily basis, which can be borrowed for up to 65,438+0 years. There are two repayment methods: interest first, then principal and interest, and equal principal and interest, but you can't choose by yourself. Generally, the system will judge according to the user's comprehensive credit, and the installment method actually available on the loan page shall prevail.
4. CCB Express Loan
It is a micro-credit loan launched by China Construction Bank. The loan amount ranges from 1 1,000 yuan to 200,000 yuan. Self-service application can be made by the whole bank, and there is no penalty interest for the loan. Not only does it support repayment of interest first, but it also supports one-time repayment of principal and interest due in one year, that is, it is not necessary to repay interest every month, and it can be paid together with the loan principal on the final maturity date.
5. Puyin integral loan
Shanghai Pudong Development Bank provides unsecured pure credit loans to eligible customers. The maximum loan amount is 300,000, which is higher than the general pure credit loan platform. The loan period can be up to 5 years. However, interest priority and principal repayment only support loans within 65,438+0 years. For loans over 65,438+0 years, you can choose average capital or equal principal and interest repayment.
The above is a formal loan platform that pays interest first and then principal. Generally, loans made by regular banking institutions within one year can support the repayment method of paying interest first and then principal on a monthly basis, so here are a few different examples.
This is the result of the loan platform with interest before capital and the loan platform with interest before capital. I wonder if you have found the information you need?