" As one of China ' s top financial institutions, the Transport Bank has a unique reputation and considerable influence. Two of the bank's consumer credit products, good loans and angel loans are now highly visible. Let's understand the difference between the two products and which one is better for you。

What's better for a good loan and an angel? I didn't know the difference was so big

First, let's look at the amount of time. Loans can be awarded up to $150,000, but only for a short period of three months, after which the user will have to reapply. By contrast, the maximum available amount for angel loans is $300,000, which is far better than having a loan. However, according to market feedback, the actual lending lines for angel loans usually range from tens to tens of thousands, with a maximum life cycle of two years。

In terms of the terms of application, the loan is open only to users who have received an invitation from the Credit Card Centre of the Transport Bank. In other words, users with credit cards are eligible to apply for a good loan. The Angel Loan, on the other hand, is a purely credit product, and the conditions for application include the age of 24-35 years, with a college and higher education, a stable income from work and no application for a credit card from the Transport Bank. Simply put, users without credit cards can only apply for angel loans。

Finally, remember that, whatever product is selected, personal finances should be carefully managed and selected according to their needs. If you are a senior user of the transport bank, you can consider a preferential application for a loan, and the new user is suitable for an angel loan。