Bank of Beijing Beijing E-loan application conditions

Conditions for applying for electronic loan from Bank of Beijing:

1. The applicant is required to be between 22 and 60 years old and have full capacity for civil conduct;

Two, the applicant's personal credit status is good, no bad credit record;

Three, the applicant has a stable job and income, with the ability to repay on time;

4. The borrower must open a first-class account with Bank of Beijing and register for mobile banking.

Jing e loan is an online credit product launched by Bank of Beijing. Borrowing purposes are divided into commercial purposes and consumer purposes. Bank of Beijing comprehensively evaluates the applicant's personal credit and economic status, and the system automatically completes the examination and approval.

E-loan of rural commercial credit needs a platform to rate individuals, verify the loan amount and issue loan vouchers. Users who meet the requirements of bank loans will issue loans after approval, and borrowers will repay them on time.

Product introduction:

Jing e loan is an online credit product launched by Bank of Beijing.

Product features:

The borrowing purposes of Jin e loan are divided into business purposes and consumption purposes. The maximum amount of business use is 500,000 yuan, the maximum amount of consumption use is 200,000 yuan (the maximum amount of supplementary materials under warp is 300,000 yuan), and the loan period is up to 3 years.

Product features:

Bank of Beijing comprehensively evaluates the applicant's personal credit and economic status, and the system automatically completes the examination and approval.

Anti-fraud tips:

Jing E Loan has not cooperated with any third-party intermediary, and can only consult through official channels such as Bank of Beijing business outlets or official customer service, and apply through the official app of Bank of Beijing Mobile Banking.

Loan process:

(1) Credit rating. Mainly based on the lender's basic situation, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, there are three grades: excellent, good and average.

(2) Approved credit line. According to the credit rating results, capital demand and credit line application, rural credit cooperatives shall approve the credit line of corresponding grades.

(3) Proof of loan issuance.

4 loan application. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book).

(5) granting loans. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter staff (or the guard staff), fill in the loan receipt, and then use the loan according to the regulations.

6. Repay on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.