What conditions do I need to meet to apply for a quick loan?

How to handle fast loans? What conditions need to be met?

1. You must be a bank customer to apply for a quick loan.

Compared with the previous credit product projects, the reason why "quick loan" and "lightning loan" can finish the process so quickly is mainly through early approval.

Before the customer applies for a loan, the construction system has integrated and analyzed the customer's financial information such as assets, liabilities and credit in CCB in advance according to the existing customer information, and automatically generated the loanable amount.

Therefore, as long as customers' financial assets or mortgage loans in CCB meet certain conditions and have a good credit record, they can click on the loan application in CCB's online banking, and CCB can quickly complete the credit evaluation and loan approval in the background with the system model, and feedback the approval results and loanable amount online in real time, so that customers can quickly complete the follow-up operations according to the prompts.

2. The mobile APP can provide loans in one step.

According to the staff of China Merchants Bank, as a mobile Internet loan product, the application and approval of "lightning loan" can be so fast, mainly because China Merchants Bank will automatically generate credit lines and notify customers according to their daily settlement flow. After the customer receives the SMS "invitation", he only needs to tap into the APP on the mobile terminal, and even can complete the application without filling in the materials.

Insiders pointed out that in this way, banks can not only use the long tail effect to cover the loan customers to the maximum extent, but also realize the whole process monitoring and risk early warning of the loan process, which fully reflects the professional level and innovation ability of big banks.

This pre-approval method also sets a threshold for loan applicants-they must be existing users of the bank and receive the "invitation" from the bank first. This means that if you want to apply for this fast credit product from a bank, you must do some business in that bank first, and customers from other banks can't enjoy this service directly.

What conditions does ABC need for fast loan?

The application conditions of ABC's fast loan are as follows:

1, customers who have opened online banking and have online banking shield.

2. ABC's mobile banking was opened, and universal KBao was bound.

3. If you have handled closed-end wealth management products in the Agricultural Bank, you can choose pledge loans (the above three items meet any one).

4. The applicant is between 25 and 60 years old.

5. Personal credit information is good and there is no bad credit record.

6, a stable source of income, with a certain ability to repay the principal and interest on time.

For more information about the requirements of ABC's fast loan, please visit: See More.

What are the application conditions for CCB's fast loan?

CCB personal "fast credit loan" loan application conditions are:

1. The age is between 22 and 60 (inclusive);

2. Good credit status;

3 Chinese mainland residents (excluding Hong Kong, Macao and Taiwan);

4. Holding personal financial assets such as CCB deposits and wealth management products, or having outstanding CCB personal housing loans.

(In case of business changes, please refer to the actual situation. )

What are the requirements for CCB's fast loan?

The application conditions of CCB's fast loan include the following four aspects:

1. Customers with financial assets in CCB

The financial assets owned by CCB include deposits, wealth management products, national debt and other assets that can prove the applicant's financial resources. All these can reduce the risk of borrowers.

2. CCB housing loan customers

If you have applied for a mortgage loan in CCB, you can also apply for a quick loan from CCB.

3. CCB private banking customers

CCB private banking customers have certain standards. Please contact 95533 for details.

4. Other customers.

Specific steps for mobile phone and online banking to apply for quick loan:

Steps for handling fast mobile phone loans:

1. Log in to mobile banking → click the "Quick Loan" icon → click "Apply".

2. Enter the application amount → enter the SMS receiving verification code for confirmation → Success.

Processing steps of online banking quick loan:

1. Log in to online banking → Select personal loan → I want quick loan → Quick e loan → Click Apply Now.

2. Fill in the application amount and click "Submit for Approval".

3. Confirm the application information → insert the screen silver shield to verify the secret.

4. The application was successful.