06年有哪些下款口子还处于活跃状态？,真相只有一个点！

06年哪些贷款渠道还在 operational 状态？

06年，很多贷款渠道都已经 shut down change business model 了，但是还有一些贷款渠道 still active，下面我会详细介绍。

1、银行贷款

即使是 old-school 的方法，bank loan 还是有很多优势，interest rate 相对 lower，loan term 相对 longer，你有 stable job 和 good credit record，银行会 offer you lower interest rate。

2、P2P 贷款

虽然有些 P2P platforms shutdown 了，但还是有一些 platforms operational，P2P 贷款的好处是，process 相对 quick，documents required 相对 less，the risk is higher，interest rate 也 higher。

3、信用卡现金 advance

你有 credit card，你可以考虑 cash advance，interest rate for cash advance usually higher than normal purchase，so 你要小心。

为什么这些渠道还在 operational？

1、银行banking industry 的监管比较 strict，所以一些不合规的 bank shutdown，但是正规的 bank still operational。

2、P2P尽管有些 platforms 出现问题，P2P 模式本身 still viable，只要 platforms 遵守 regulations，they can still provide loan services.

3、信用卡credit card 是 bank 的主要 revenue stream，所以他们不会 easily shutdown this business。

如何选择合适的贷款渠道？

1、了解你的 credit scorebefore you apply for a loan，check your credit score. If your credit score is not good, you may get higher interest rate or even be rejected.

2、Compare interest rate and feesdifferent loans have different interest rate and fees. Take your time to compare and choose the one with lower interest rate and reasonable fees.

3、Read the fine printbefore you sign the contract,read the terms and conditions carefully. Make sure you understand all the fees, interest rate, and repayment schedule.

Conclusion

06年 still operational 的贷款渠道包括银行贷款、P2P 贷款和信用卡现金 advance，But，每种 loan channel has its own pros and cons, so you need to choose the one that suits your needs. And always remember to read the fine print and understand the terms and conditions before you sign the contract.