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.
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