In modern life, many people and families will face various difficulties. When they are in urgent need of money, choosing a bank loan is the safest way. In addition to well-known state-owned banks, many city banks also have good loan products, with low application threshold, simple procedures and low interest. Everyone can choose freely according to their own needs. Today, let's take stock of the bank loans in Beijing.
1, personal car loan
Many banks have car loans, and Bank of Beijing is no exception. As long as you meet the application conditions, you can apply for a car loan from the bank. The loan amount can be up to 80% of the purchase price of more vehicles, and the loan period can be up to 5 years. The repayment method can be equal monthly payment or equal principal repayment. You can choose the appropriate repayment method according to your own situation.
2. Student loans
At present, there are still many students who can't afford the high tuition fees. As long as your school is co-operated by Bank of Beijing, full-time undergraduate or junior college students, vocational students, graduate students and students with second bachelor's degree with financial difficulties can apply for this student loan, which can be used as a personal loan to pay tuition, accommodation and basic living expenses, and give students subsidies and a certain proportion of risk compensation during school, without any guarantee.
3, real estate mortgage consumer loans
As long as you have commercial housing approved by Bank of Beijing and some public houses that are allowed to be listed for mortgage, you can apply for this mortgage loan. The mortgage rate with the highest loan amount is 70%, and the longest loan period can reach 65,438+00 years. You can choose repayment methods such as matching principal and interest and average capital, which are suitable for users who need money badly.
Is the e-sub-loan in Yin Bei easy to use?
Yin Bei's consumer finance is formal and reliable.
Yin Bei Consumer Finance is a licensed formal consumer finance company, and the minimum daily interest rate of Yin Beiyi's e loan is 0.03%.
If you want to apply for a consumer loan in Yin Bei, you can do it online, and the loan process is very clear. The loan products you can apply for online include E-loan and exclusive term loan. The loan process is: online application → loan approval → loan issuance, which needs to be confirmed by phone after the approval of the exclusive era.
As a loan product of a licensed institution, you need to check the credit information when applying for a loan in Yin Bei consumer finance, and the loan repayment will also be reported. Once loans overdue, it will leave a bad credit record on the credit investigation, so it is still necessary to repay the loan on time.
Although there are many channels in the market to provide loans to borrowers, some loan platforms may charge extra fees such as handling fees and service fees in addition to the inflated loan interest rate, which makes borrowers feel great repayment pressure. Conscience online platform inventory, users who want to apply for loans should not miss it!
1, money to spend
Xiaoman is a small loan product under Baidu Finance. Hold the financial license issued by China Banking and Insurance Regulatory Commission, and have the qualification of private lending. Online application, no mortgage, the fastest 30 seconds to complete, the fastest 3 minutes to lend. The minimum daily interest rate of microfinance is 0.02%, and the maximum loan amount is 200,000.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2360 IOUs
360 IOUs are licensed institutions with a maximum loan amount of 200,000. The age of the borrower is required to be between 18-55 years old, and it is temporarily closed to college students. If you want to apply for a loan in 360, the borrower's personal credit information must not have serious credit stains, and the debt ratio must not exceed 50% of personal income.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan
Ping An Xinyi Loan is a small loan product under Ping An Pratt & Whitney. One of its advantages is low application threshold, high quota and fast payment. Support users to borrow and pay back, with daily interest, with a minimum loan of 2,000 yuan and a maximum loan of 500,000 yuan. The service life ranges from 12 months to 48 months, and the monthly interest rate is between1.1%-1.53%.
Ping An Xin Yi Dai Click Online Measurement
Want to see whether an online loan company is formal, generally from the following aspects to examine:
First, check whether the loan company has a financial license, and the loan products of the licensed institutions will basically be connected to the central bank's credit information system.
Second, see if the loan application process is standardized. Regular online lending companies mostly provide credit loans, unsecured and unsecured. Therefore, they will focus on the repayment ability and willingness of loan applicants, such as the need to master personal credit status, income status, debt ratio, work unit and other information. After meeting the loan requirements, they will provide formal loan contracts, and they are also very willing to know all kinds of information of lending institutions and will not hide it.
Formal online lending companies will not charge any fees before lending. Only after the loan is officially issued will they charge interest or a certain fee. Anyone who has to pay various fees before the loan will pay attention.
Third, depending on whether the loan interest rate meets the national regulations, the loan threshold of formal lending institutions will not be particularly low, and the interest rate will be within the scope stipulated by the state. Many so-called "low threshold, low interest" lending institutions, if they are not eligible for loans, often get less loans than they actually do, and the comprehensive loan cost is very high after deducting various service fees.
Balance of Personal Consumption Loans in Beijing in 2020
In terms of general microfinance, at the end of 12 in 2020, the balance of general microfinance of financial institutions in Beijing was RMB 5131000000, up 30.4% year-on-year, 20.0 percentage points higher than the growth rate of various loans in the same period, with an annual increase of RMB1956 million.
In terms of real estate loans, at the end of February 2020, the balance of RMB real estate loans (including real estate development loans and personal housing loans) from financial institutions in Beijing was 1.9 trillion yuan, up 5.9% year-on-year, with an increase of 1.4 percentage points, and an increase of 10632 billion yuan for the whole year. Among them, the balance of real estate development loans increased by 10.4% year-on-year, and the growth rate was 3. 1 percentage point higher than the same period of last year; Individual housing loans increased by 574,654.38 billion yuan in the whole year, and the balance increased by 5.5% year-on-year. The growth rate was 0.6 percentage points higher than the same period of last year, accounting for 7.5% of the increase in various loans.
In addition, in terms of deposits, at the end of 65438+February in 2020, the balance of local and foreign currency deposits in Beijing was 18.8 trillion yuan, a year-on-year increase.
Do you need to settle the down payment of consumer loans when buying a house in Beijing?
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Under normal circumstances, you need to pay off all consumer loans before you can apply for a mortgage. If you don't pay off the consumer loan, you are suspected of making a down payment through consumer loans or illegal overdraft credit cards, and consumer loans are strictly prohibited from flowing into the housing market. In addition, applying for a mortgage also requires the borrower's income to be at least 2 to 3 times the monthly repayment amount, so try to reduce the total monthly repayment amount. The major banks in Beijing have tightened the mortgage gates again, making it more difficult for individual buyers to apply for mortgages. On August 9, at present, many bank branches and sub-branches have no mortgage quota to extend to lenders, which is tighter than two months ago.
Bank of Beijing consumer loan interest rate
The one-year loan interest rate was lowered from the current 4.6% to 4.35%, down by 0.25 percentage point. The interest rate of consumer loans fluctuates according to the benchmark interest rate of bank loans, and the specific interest rate will be dynamically adjusted according to the qualifications of applicants.
The introduction of consumer loans in Beijing ends here.