What should I do if I want to get a loan? Popular topics and practical guides on the Internet in the past 10 days
Recently, loan topics have continued to increase in popularity on major platforms, especially discussions on personal consumption loans, mortgage interest rate adjustments, and financing policies for small, medium and micro enterprises. The following combines the hot content on the entire network in the past 10 days to sort out the latest developments and practical suggestions related to loans for you.
1. Ranking of popular loan topics in the past 10 days
| Ranking | Topic keywords | heat index | Main discussion platform |
|---|---|---|---|
| 1 | Mortgage interest rates cut | 9.8 | Weibo/Zhihu |
| 2 | Consumer loan cash out risks | 8.5 | Douyin/Baidu Tieba |
| 3 | Small and micro enterprise credit loan | 7.9 | WeChat public account |
| 4 | Online lending platform compliance review | 7.2 | Today's headlines |
| 5 | New policy on provident fund loans | 6.8 | local forum |
2. Five core data you must know before taking out a loan
| Loan type | average interest rate | Maximum years | Approval time limit | Overdue penalty interest |
|---|---|---|---|---|
| bank credit loan | 4.35%-15% | 5 years | 3-7 working days | 1.5 times interest rate |
| real estate mortgage loan | 3.85%-6% | 30 years | 15-30 days | 0.05%/day |
| Online consumer loan | 7.2%-24% | 3 years | Instant loan | 2%/day |
3. Solutions to loan problems that are hotly discussed across the Internet
1.What should I do if my credit report is flawed?Many commercial banks have launched "credit repair loans", and you can apply for an interest rate reduction if you make normal repayments for 6 consecutive months. Some city commercial banks accept applications that are overdue no more than 3 times within 2 years.
2.How to choose when you need money urgently?Comparative data shows that the average loan time of bank quick loan products has been shortened to 1.8 days. Third-party loan assistance platforms can compress the loan time to within 4 hours through pre-approval, but please pay attention to the service fee cost.
3.How to avoid being turned down for a loan?Recent data released by the State Administration of Financial Supervision shows that incomplete materials (37%), excessive debt ratio (29%), and insufficient liquidity (18%) are the three main reasons for loan rejections.
4. The latest guide to preventing loan pitfalls in 2024
1.Identify false advertising: 90% of the "zero interest rate loan" scams that have been exposed recently are charged through handling fees, and the actual annualized interest rate may exceed 36%.
2.Be wary of AB loan traps: The new fraud technique takes advantage of the borrower's insufficient credit qualifications to induce him to find a guarantor, which actually makes the guarantor the actual borrower.
3.Verify agency qualifications: You can check the list of licensed institutions through the official website of the People's Bank of China. Currently, there are 135 online small loan companies across the country with legal qualifications.
5. Professional advice: Three-step method for loan decision-making
1.Requirements diagnosis: Choose products based on the purpose of funds (consumption/business/house purchase). For short-term turnover, give priority to products that can be borrowed and repaid at any time.
2.price comparison tool: Use the "Loan Calculator" recommended by the China Banking and Insurance Regulatory Commission to compare the total cost, and pay attention to the real interest rate difference between equal principal and interest and interest first and principal second.
3.Repayment planning: It is recommended that the monthly repayment amount should not exceed 35% of the income. Many banks have launched "repayment flexibility plans" that allow 1-2 deferrals of repayment per year.
In the current economic environment, lending decisions need to be more rational. It is recommended that borrowers pay close attention to the new regulations of the "Personal Loan Management Measures" that will be implemented in June, which clearly require financial institutions to fully disclose the comprehensive annualized costs to borrowers. For the latest interpretation of loan policies, you can pay attention to the financial theme press conference held by the State Council Information Office every Wednesday.
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