The monthly interest rate of 3.625 is 3.625‰ and the annual interest rate is 4.35%. Personal credit loans are unsecured RMB credit loans issued by banks or other financial institutions to borrowers with good credit. The purpose is to solve the borrower's temporary consumption or business needs. The loan amount is less than 500,000 yuan, and the loan term is generally 1 year, and the longest is 3 years. The applicant should have a good credit record in the bank account to avoid bad behaviors such as overdraft and refusal to pay. People with good personal credit records are usually more likely to pass the audit. If the borrower's personal credit has an overdue record, it is likely to be rejected by the bank or lending institution. Personal debt ratio is low. The debt ratio represents your repayment ability. The higher the debt ratio, the weaker your repayment ability. When applying for a personal loan from a bank, the bank is likely to reject your loan application in order to seek financial security.

About loans

1, job stability means repayment ability. The general standard of banks is that the applicant must have a stable job and a reliable income to repay the loan. People with stable jobs have an advantage in applying for loans. There are certain restrictions on the use of personal credit loans. Generally speaking, credit loans should be used for consumption. Therefore, when the applicant submits a credit loan application to the bank, it is necessary to provide relevant consumption vouchers. For example, the upgrade loan of Suning Bank can only be used for personal or family decoration, car purchase, travel, study abroad, wedding and other legitimate consumer needs. Credit loans are strictly prohibited from entering the stock market and may not be used as a down payment for buying a house.

Don't believe it if you need to pay the handling fee or interest. Many unsecured and unsecured loan companies will ask borrowers to pay some fees in various names, such as handling fees or interest. Nine times out of ten these companies are fraudulent companies. The establishment of small loan companies is approved by relevant departments, and the number is very limited. Therefore, when choosing loans from private institutions, we should first check whether the relevant certificates of the company are true and complete. At present, the state stipulates that the annual interest rate of private lending should not be higher than 4 times the national benchmark interest rate, otherwise it is usury and is not protected by the state.

3. Beware of new online fraud and always be vigilant. Many fraudsters use the "unsecured loan" as an excuse to obtain effective information of my lender, and then use online banking to withdraw the lender's funds. So don't trust the so-called ID card unsecured loan, and don't disclose our personal information easily. Many of these ID unsecured loans are fraudulent. Generally speaking, the characteristics of these frauds are: promoting the unsecured loan of ID cards through online publishing or short messages, and attracting more citizens who are in urgent need of money but cannot borrow through bank channels. The swindler contacted the victim by telephone and obtained the cheated information many times. These swindlers usually commit crimes in different places. The suspect has never had face-to-face contact with the latter.