How to borrow personal loans from banks?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).

Basic conditions for lightning loan application:

1, with China Merchants Bank card;

2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;

3, have the ability to repay the loan on time, no illegal behavior, good credit.

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. 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.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on T+ 1 day: there will be telephone verification within t+1day, and the loan will be arranged after the information is confirmed. If you don't answer after three times of active contact, the application fails and you need to apply again.

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: June 65438+1October 65438+20221October. The above contents are for your reference. If there are business changes, please refer to the latest business rules. )

Tips: If you have any questions, you can call the official customer service hotline or contact China Merchants Bank APP for online customer service consultation.