The annualized interest rate is as low as 3.7%, and can be borrowed as soon as possible, with a maximum loan of 200000 yuan. " Ms. Zhang, who works in a state-owned enterprise in Chaoyang District, Beijing, said that she had recently received consumer loan marketing calls from several banks, and the interest rate below 4% gave her the idea of going for loans. A few days ago, a reporter from China Securities News found that the consumer loan interest rate of most banks had been significantly reduced compared with the beginning of the year, and the minimum interest rate of some banks' consumer loans had dropped to below 4%. Some banks cut the interest rate of consumer loans. The reporter of China Securities News found that at present, the lowest annualized interest rate of consumer loans of many commercial banks, including the four major banks, is at the beginning of "3", mostly between 3.6% and 3.9%; The maximum amount of online approval is about 200000 yuan. People from several banks, such as the Agricultural Bank of China, the Bank of China and the Postal Savings Bank, said that the minimum interest rate for consumer loans that can be applied for was 3.65%. Among them, the loan manager of a branch of the Bank of China in Beijing said: "The maximum loan can be 3 years, and the maximum loan can be 300000 yuan. The interest rate is 3.65%, which was more than 4% before. Now it has been reduced a lot." The loan manager of a branch of the Agricultural Bank of China in Beijing said that the current consumer loan interest rate is 3.65%. After the loan, the interest rate can be maintained for one year. After one year, the interest rate will be re-approved and determined. The relevant person of China Construction Bank said that the annual interest rate of the fast loan product was 3.75% (if China Construction Bank card issued wages on behalf). The loan manager of a branch of ICBC in Beijing said: "The interest rate can now be as low as 3.7%. Each customer is different, and there are customer groups. The specific limit and interest rate are automatically approved by the system according to the customer's situation. According to the previous data, the maximum loan amount can reach 300000 yuan. If you want to loan more than 200000 yuan, you need the customer to sign at the offline outlets." The loan manager of a branch of Minsheng Bank said, Now it is just the time window of "making a good start". The interest rate of consumer loan is low, 3.68%, and the maximum loan can be 300000 yuan. However, it is still necessary to assess the amount according to the comprehensive factors such as unit social security and personal accumulation fund. The minimum consumer loan interest rate that China Merchants Bank can apply for is 3.6%. "3.6% is the level after using coupons to reduce the interest rate. At present, the interest rate can be maintained until the end of February, and the maximum amount that can be applied for online is 200000 yuan," said the loan manager of a Beijing branch of the bank. There is a threshold for applying for a lower interest rate. Although most banks have lowered the interest rate of consumer loans, not all customers can enjoy the maximum preferential treatment. Dong Ximiao, a researcher at Zhaolian Finance, said that not everyone can apply for this low consumer loan interest rate. It has a threshold and conditions. For example, it is aimed at white-collar and other relatively high-quality customer groups with regular jobs and stable income. For consumer loans, some banks have also launched many "discount" measures based on the minimum interest rate, but all have set certain preconditions. For example, the loan manager of a branch of ICBC in Beijing said that if the customer opened a personal pension account with ICBC, the consumer loan interest rate could be reduced from 3.7% to 3.65% through special application. The loan manager of a branch of China Construction Bank in Beijing said that if the customer has China Construction Bank
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：China Secruities Dairy
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