Call米金融：市面上最常见的12种信用贷类型，快看哪款适合你！
2024isjustaroundthecorner,withthemuch-anticipatedtraditionalChineseNewYearapproaching.Astheyear-enddrawsnear,expensestendtopileup:fromSpringFestivaltrav
2024 is just around the corner, with the much-anticipated traditional Chinese New Year approaching. As the year-end draws near, expenses tend to pile up: from Spring Festival travels and stocking up on festive goods to visiting relatives, settling company projects, and paying employee salaries. Insufficient ready cash may lead one to wisely consider utilizing loans as a means to ease financial strains.
For short-term turnovers or modest credit requirements, one may explore unsecured personal loan options. These loans are typically extended by banks or financial institutions after evaluating an applicant’s credit history, comprehensive credit score, age, employment status, and factors like social security contributions. The approval decision, loan amount, and interest rate are based on these assessments.
Based on borrowers’ individual circumstances, loans can broadly be categorized into three types, ensuring there’s one suitable for you!
1. Housing Provident Fund Loan
Those whose companies contribute to the housing provident fund, for at least three months, meet the basic criteria for this loan. These loans boast lower interest rates, sometimes dipping below 3.1%, with amounts averaging between 10 to 30 thousand. Repayment terms often range from 1-3 years, with some products offering credit cycles of 5-8 years and repayment options such as interest-first, principal-later, on-demand payment, and equal monthly installments.
2. Social Security Salary-based Loan
Individuals with stable jobs who have been employed for at least six months at their current workplace and make regular social security contributions (without housing fund) can apply for this loan. Typically ranging between 3-20 thousand in bank products, these loans are known for easy processing, with same-day loan dispersal in many cases. Some products tailor loan amounts based on applicants’ paycheck records, meaning higher salaries yield higher credit limits.
3. Insurance Policy Loan
To qualify for insurance policy loans, conditions usually mandate continuous premium payments for two years or thrice annually, or full premium payment within half a year. Some products allow applications after six months of valid policy coverage. Loans depend on factors like policy duration and annual premiums, usually ranging between 5 to 30 thousand per transaction with an emphasis on equal installment repayments.
(Continued…)
如若转载，请注明出处：https://www.anshangmei.com/39499.html
相关推荐
-
沛县德信九龙城二期，沛县德信九龙城东边是什么学校
裴堂新村6,931-8.66%北孔庄安置小区6,982-1.2%惠民家园7,478+1.29%四中家属院7,669+1.85%金诚花园7,481-1.41%韩信路九龙城8,088+3.64%金诚花园二期7,603+1.97%汉城路九龙城7,966+2.05%急诊小区7,383-1.56%爱婴小
-
征信不好负债高哪里可以借钱 急用（网贷负债高哪里可以借钱 急用）
最近我也在想一个问题，何为大爱？我领导跟我说了这么一句话："我作为团队的领导者，你们作为我的家人和合作伙伴，那么我就得为你们负责，同时也得为你们身后的16个家庭负责。"几次我想离开，但是我还是选择了留下。留下的原因很简单，每个人都有人生低谷期，每个人生下来都会遇到各种各样的事情。再次我还是要特别感谢我的一位朋友，我凌晨两点有打过她电话借钱，在我最
-
网贷不还对夫妻会有什么影响？
近年来，随着互联网的迅猛发展，网上借贷平台逐渐成为人们生活中的一部分。但是，由于各种原因，有些人或许会面临无法按时偿还网贷的困境。那么，网贷不还对夫妻是否有影响呢？下面我们从贷款问题的角度来分析这个问题。首先，网贷不还会给夫妻的经济状况带来压力。贷款本身就是为了满足一些紧急
-
生源地助学贷款，何时开始自付利息？
生源地助学贷款对于许多有志于深造的学生来说是一项重要的财政资助政策。在高等教育不断进步的今天，越来越多的家庭希望通过生源地助学贷款为子女提供更好的教育资源。然而，学生们普遍关心的一个问题是，生源地助学贷款的
-
怎么样关闭微粒贷借款（怎么样关闭微粒贷自动扣款）
提到注销公司，许多阅历过的创业者叫苦连天，乃至到了谈“销”色变的境地。上一年小编的一个朋友注册了一家公司，本年各种因素影响所以运营不起来啦。之前咨询过各种公司，注销费用都比较贵，有点不舍。在网上也查过相关材料，可是各种说法都有，有的说放着不管就能够了，工商那
-
自主创业的优点是什么（自主创业的优点包括什么）
大多数人可能听说过亚当·斯密，知道他的《国富论》。在这本书里，说明了如何利用绝对优势，通过贸易（商品交换）来实现整体财富（效益）的增加。然而，如果没有了“绝对优势”呢？那么是不是贸易就失去了存在的意义，而更方面都不占优势的一方就可以直接躺平。解决这个问题的是大卫·李
-
建行信用卡怎么提升额度，教你在斗转星移的信用时代稳步前进
随着经济的发展，信用卡的使用越来越广泛。它不仅是货币交换、消费重要工具，也是重要的信用记录。因此，拥有信用卡不仅是提高生活品质的必备工具，也是个人信用体系的重要组成部分。在使用建行信用卡的过程中，难免会遇到授权额度不足的情况，那么，应该如何提升建行信用卡的额度呢？1.建立良好的信用记录信用卡额度的高低与用户信用记录有着
-
香港富华国际，香港富华远东有限公司
都说普洱茶是“喝在香港，兴于台湾，产在云南，藏在东莞，卖在芳村“，大门不过细细回顾普洱茶在内地的复兴，你会发现一个被遗忘的重要城市：深圳。实际上，深圳不仅是云南普洱茶连接香港市场的桥头堡，更是早期仓储与当代消费的重要节点，在普洱茶复兴中扮演了重要角色。今天这篇
-
一茬茬母鸡一个个蛋，生活的滋味全靠“鸡屁股银行”滋养着
文|张刚“这懒货又‘缠窝’了！”母亲说着，一瓢水泼到墙角一只老母鸡身上。“缠窝”就是母鸡偷懒歇产，蔫头耷脑眼神迷离，蜷在鸡窝里不起身，这意味着“鸡屁股银行”的支出又少发几分钱。老乡们维持日常生活的零花钱，是从鸡屁股里抠出来的，因此美其名曰“鸡屁股银行”。母鸡一“缠窝”，零花钱又得少几分，可能这个月的饭盐又没了着落。母亲就用凉水扑在鸡脸上，想把它唤醒。这一招确实也很
-
了解银保监局，解开贷款之谜
借款是我们日常生活中常见的需求之一，但对于绝大多数人来说，贷款是一项复杂而陌生的过程。在贷款过程中，借款人需要面对各种问题和风险，因此了解背后的机构和监管是非常重要的。本文将介绍银保监局是什么单位，以及与贷款相关的知识，帮助借贷人更好地了解贷款过