What's the difference between BOC E loan and hospitality loan?

The main differences between BOC Easy Installment and BOC Easy Loan are as follows:

1. Different handling methods: In 2022, the premium customer staging is mainly used for online pre-approval and offline payment. After customers apply for quality customer staging, if they receive a text message that has passed the approval, they need to apply for payment at the outlet with a pre-approval notice text message. At that time, the staff of the outlets will conduct loan review and supplementary materials according to the actual qualifications of customers. Bank of China e-loan can be approved online in the whole process, and customers can directly log in to mobile banking to apply.

2. The nature of the credit line is different: the credit line of excellent customers in installments cannot be recovered. It is a one-time credit line installment product based on personal credit, and the available credit line will not be restored with the customer's repayment in each installment. The line of BOC e-loan can be recycled.

3. Different repayment methods: BOC e-loan can be repaid with the loan; The repayment methods of Youke installment mainly include one-time repayment when the principal is due (that is, deduction in the last installment of the installment cycle) and monthly equal principal repayment (that is, the principal is allocated to each month and the monthly equal deduction is adopted).

65438+ Generally, the approval results are submitted very quickly from 8: 00 am to 22: 00 pm, and the withdrawal amount after approval is basically seconds. In terms of interest, it is basically consistent with the loan interest of BOC's consumer financial products before, and the comprehensive daily interest rate is about 0.05% (please refer to the actual interest rate when borrowing);

2. In fact, the hospitality loan was once hotly speculated by the intermediary as the second loan of BOC e loan, because BOC consumer finance itself is also a consumer finance institution under the Bank of China, and there are only two institutions, one is a bank and the other is consumer finance. Of course, the application will definitely check the credit information and credit information. If the credit information is not very good, users can ignore it; And if the general hospitality loan is within the scope of invitation, you can apply directly. In addition, not all users can withdraw cash 100% after the quota is granted, and there is also a probability of failure, but it is generally rare.