How to qualify for China Merchants Bank's lightning loan application? What if I can't apply?

How to apply for lightning loan from China Merchants Bank?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. The age of the lender is generally between 23 and 60 years old, and the age plus loan period is generally not more than 60 years old. You can log in to China Merchants Bank Mobile Banking and click "My → All → Loan" to try to apply or see if you meet the application conditions (whether you can get the quota or not, the success of the loan is subject to the system evaluation results, and manual intervention is not allowed).

1. There are two ways to apply for a loan within the lightning line: (1) 15 minutes for lending: automatic approval within 5- 10 minutes, and immediate lending after approval, and SMS notification (2)T+ 1 day for lending: t+/. If you don't answer after three times of active contact, the application fails and you need to apply again.

2. After the issuance of the lightning loan, the cash will be distributed to the designated account, and the funds can only be used for normal bulk consumption and transfer, and investment or inflow into the stock market or real estate is not allowed.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.

(Response time: March 28th, 2022. Please refer to the latest business changes announced by China Merchants Bank in official website. )

What conditions does China Merchants Bank need to pass the lightning loan?

China Merchants Bank lightning loan application conditions

1, related business records.

Generally speaking, you must be an internal customer of China Merchants Bank, and handle the retail business of wealth management, deposit and other functions in China Merchants Bank. After a certain processing cycle, you can open a lightning loan. China Merchants Bank will send an invitation text message or phone call on its own initiative. What conditions does China Merchants Bank need for lightning loans?

2. Good reputation

Loans and credit cards are not overdue. If they are overdue within two years, they are not allowed to be processed. The requirements of China Merchants Bank are still very strict.

3. Have a certain income

The borrower must have a certain income to apply for a lightning loan, and a good income certificate is the basis for the user to pay off the debt.

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!

I suggest you take the money from Xiaoman Finance (formerly Baidu Finance) to get a loan. The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast, as long as 30 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.

Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOU is the financial service of 360 antivirus software, and installment music is owned by Lexin, both of which are big companies.

Is it too difficult to get a lightning loan from China Merchants Bank? Need to meet these requirements!

China Merchants Bank has a pure credit loan-lightning loan. I believe many people are familiar with it. China Merchants Bank vigorously promotes it, but not everyone is eligible to apply for this kind of lightning loan. Many users have said that it is too difficult to apply for a lightning loan. Is that really the case? Let's take a look at lightning loans.

1. Is it difficult to apply for a lightning loan?

From the beginning, the application mode of lightning loan mainly includes the following aspects:

1. If you received the short message from China Merchants Bank, congratulations. You belong to the special invitation user of lightning loan. It seems that I can't handle it without inviting customers now. Click in after receiving the text message to get the quota.

2. Just because there is a flash loan line in mobile banking doesn't mean you can really apply. It's really hard. It is best to have a mortgage, a car, a stable job and good credit.

Lightning loan application entrance: China Merchants Bank APP- Home-Borrowing money-Lightning loan-Withdrawing cash immediately.

2. What if China Merchants Bank fails to apply for a lightning loan?

1. Repair the credit information. You need a good credit information to apply for a flash loan. If you have a credit stain, you must solve it all before applying. In addition, there are not many loans and credit cards in your name, which will lead to a high debt ratio.

2. Improve your financial resources. If you have extra money, you can try to deposit some money in China Merchants Bank to buy investment, wealth management and insurance products, which will help improve the account activity.

3. Check it once in a while. Because the lightning loan is automatically audited by the system, sometimes it will fail, and sometimes it can, so download a China Merchants Bank APP and click it from time to time to check.