Investing through borrowed funds requires careful consideration of risks, because there is uncertainty about investment returns, while borrowing involves fixed repayment pressure. In China, according to regulatory regulations, loan funds cannot be used in investment fields such as stocks, funds, and real estate. Illegal use may lead to early loan repossession or affect personal credit. The following are some types and examples of lending platforms with lower interest rates and higher amounts, but please be sure to comply with laws and regulations and reasonably assess risks.： --- ###1. Types of lending platforms with low interest rates and high amounts of credit 1. **Banking products** - **Construction Bank Express loan**: The annualized interest rate usually starts at 4%, and the amount can reach up to 1 million yuan (depending on the qualification), which is suitable for users with good credit. -**ICBC e-lending**: The annualized interest rate starts at about 3.7%, and the amount generally does not exceed 300,000 yuan. The approval is strict but the interest rate is low. -**China Merchants Bank Lightning loan**: Apply online, with a maximum amount of 1 million yuan and an annualized interest rate of 5%. You must be a high-quality customer of CMB. 2. **Products of Internet giants** -**Ant Loan** (Alipay): The daily interest rate starts from 0.03% (annualized about 10.95%), and the maximum amount is 300,000 yuan, which is suitable for short-term turnover. -**Micro-particle loan** (WeChat): Daily interest rate starts from 0.02% (annualized about 7.3%), the maximum amount is 200,000 yuan, and the whitelist invitation system is used. -**Du Xiaoman (formerly Baidu Finance)**: Starting at an annualized interest rate of 7.2%, the maximum amount is 200,000 yuan. 3. **Licensed consumer finance company** -**Zhaolian Financial Good Term loan**: Starting at an annualized interest rate of 7%, the maximum amount is 200,000 yuan, and the approval is relatively fast. -**Immediate consumer finance**: The annualized interest rate starts at 10%, and the amount can reach 200,000 yuan, which is suitable for short-term needs. 4. **Inclusive loans supported by the government or bank** -For loans to small and micro enterprises cooperated by some local banks or the government, the interest rate may be as low as 3%-5%, but proof of operation is required. --- ###2. Precautions 1. **Compliance with the use of loans** Loan contracts usually clearly require that funds not be used for investment (such as stocks, funds, real estate, etc.), and illegal use may lead to legal risks or credit damage. 2. **Interest rates and costs** -The actual interest rate may fluctuate due to personal credit score, subject to the contract. -Some platforms will charge handling fees and service fees, and the comprehensive cost needs to be calculated (refer to the APR annualized interest rate). 3. **Risk warning** -Borrowing and investment will amplify the risk of loss. If the investment fails, it may not be able to repay the principal and interest, leading to a debt crisis. -High-level loans usually require mortgages or high-quality qualifications (such as provident funds, real estate, and stable income). 4. **Alternative suggestions** -If it is used for legitimate purposes (such as consumption, education, and business), bank low-interest products are preferred. -Investment should use its own idle funds to avoid leveraged operations. --- ###3. Recommended selection steps 1. **Evaluate your own qualifications**: Check the credit report to confirm that there are no bad records. 2. **Comparison platform**: Compare interest rates and quotas through bank APPS and formal third-party platforms (such as “price comparison tools”). 3. **Read the contract terms**: Focus on restrictions on the use of funds, early repayment rules, liquidated damages, etc. 4. ** Do what you can**: The loan amount does not exceed the repayment capacity to avoid excessive debt. --- Please remember: borrowing and investing are like ”dancing on the tip of a knife", so you must think twice before proceeding. If you have any questions, it is recommended to consult a professional financial adviser.