wholesale butterfly jewelry What does a group loan mean?
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wholesale butterfly jewelry What does a group loan mean?
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rose jewelry wholesale The loan of the group is that the loan interest rate of a large number of people will be very low.
"The more people, the lower the price, the lower the price," the group shopping model is very popular in daily life. Recently, many banks have also caught up with a fashion, and have launched "group loans" promotion. The marketing model of the group is to turn customers into sales, make full use of the social functions of the mobile Internet, and expand market share with lower customer acquisition costs. The marketing model of the group is to turn customers into sales, make full use of the social functions of the mobile Internet, and expand market share with lower customer acquisition costs.
The private banks have only one business outlet, and absorbing deposits have always been a difficult problem. It is also them that the earliest began to use the Internet to continue to innovate marketing methods.
Under the epidemic, the scale of consumer loans has shrunk rapidly. At the same time, it is not surprising that banks actively launch a new gameplay for stimulating consumption and expanding loans.
The "group" model often played by the e -commerce platform is being "stealing" by more and more banks. Zhejiang Commercial Bank, recently over 10 banks such as Bank of Shanghai, Bank of Nanjing, and Construction Bank have successively launched activities such as "group financial management", "group deposits" and "group loans".
The expansion information:
1. Banks let Lituoke
The construction bank is the first state -owned bank to launch a group loan. In early 2020, the CCB updated the APP and added the function of "group deposits" in the column of deposit products.
The "group deposit" has 4 products to choose from: three -month regular deposit two people, interest rates 1.54%; 6 -month regular deposit two people, interest rates 1.82%; one -year three -person three people Regiment, interest rates are 2.1%; two -year groups, the interest rate is 3.8%.
The specific operation is very simple: mobile banking users initiate "group deposits", send the generated links to the group, and invite relatives and friends to participate in the group. When the number of groups meets the requirements, the group will be automatically completed. The last product not only increases the customer's regular deposit interest rate, but also reduces the starting threshold.
2, the interest rate of the big bank is as low as 4.35%
It ICBC melting E borrowing, presumably everyone is familiar with it. Rong E borrowing was issued by ICBC to a borrower that meets specific conditions and used unpaid and unsecured RMB loans for personal legal compliance.
This product, the recent promotion is also very fierce, the interest rate is as low as 4.35%. The reporter learned from the official WeChat of ICBC that from now until March 31, 2020, all the loan interest rates of E -borrowing customers will be unified. 4.35%of the fixed preferential price, loan of 10,000 yuan, daily interest rates 0.66 yuan.
If according to the relevant staff of the ICBC Zhujing Sub -branch, the business of the E installment in the bank can enjoy a 2.7%annual loan interest rate at the end of this month, with a maximum loan period of 5 years. "This interest rate is very low. A 100,000 yuan loan only needs less than 2,000 yuan per month. However, it is limited to consumption, cash cannot be withdrawn, and it can only be opened online." The interest rate of E installment is 6%.
3, CCB's "fast loan" has recently reduced interest rates to a minimum of 4.35%. , Treasury bonds, funds, etc., loans, paid salary, etc.) may obtain the quota. Specifically, you can check your own quota and interest rates on CCB mobile banking.
Recently, the reporter also received a text message from the Agricultural Bank of China, saying that from now until April 30, the Agricultural Bank of China has launched a preferential event with an annual interest rate of as low as 4.8%. Now it has signed an application for a year. However, the interest rates of the Agricultural Bank of China in different regions are incomplete. It depends on customer qualifications, but it is about 5%, which is cheaper than the year ago.
4, in addition, China Postal Savings Bank launched a post -chamber loan with a maximum of 300,000, a daily rate of 10.86 yuan, which is about 5.67%. The Bank of China is currently implemented with a price of 5.76%.
The reporter learned that at present, many banks also have preferential measures. For example, from now until April 30, the diamond card customers holding China Xinglin Card and the corporate unit containing keywords such as "hospitals, outpatient clinics" and other salary customers and provincial provincial provident fund deposit customers, through the Bank of China mobile phone Banks apply for BOC E loan and enjoy the lowest 4.75%annual interest rate.