Which bank credit loan is easy to handle?

1, Industrial and Commercial Bank of China

ICBC's personal comprehensive consumption loan has a wide range of consumption purposes, a high loan amount and a long loan period.

2. China Merchants Bank

Credit loans of China Merchants Bank can be issued by stages according to customers' needs, and the sum of each loan amount does not exceed the approved loan amount. Each loan has the same loan term and repayment method.

3. China Construction Bank

CCB has a high loan amount, a wide range of consumer uses and a low loan interest rate. The fast e-loan launched by CCB has an interest rate of around 7.6%.

4. Industrial Bank

The longest credit period of the comprehensive personal consumption line of Industrial Bank can reach 10 year. During the credit period, the line is reused, and the used line can be recovered after the loan is repaid.

The interest rate of credit loans of commercial banks is mostly between 5% and 6%. Among them, the loan interest rates of state-owned banks are slightly lower, such as ICBC and CCB, which can reach at least 4 points per year, while the interest rates of joint-stock companies and city commercial banks are slightly higher, with the highest approaching 7%.

In fact, as long as the credit is good, the guarantor will generally lend you money, mainly depending on the interest.