How long does it take to review the loan in Shang Tong? Has the Shang Tong loan been credited?

In the process of handling loan procedures, the first thing we do is to submit materials and personal related information for review. After the review meets the requirements, those who meet the requirements can enter the next procedure. After that, we have to go through the relevant formalities. If the audit fails, it will be very troublesome. Some platforms have different rules. If you don't know the relevant steps in advance, it is easy for into the pit people to waste their time and energy. Some online operations may keep flashing back for system reasons, resulting in repeated operations. So how long does it take to review the commercial loan?

1. How long does it take to audit commercial loans?

Before applying for a commercial loan, the borrower is advised to prepare a photo of the front and back of the ID card and a debit card in his own name. If the credit line is large, it is also necessary to provide relevant information of the enterprise, including the name, address, contact telephone number, business license, unified social credit code, paid-in capital, etc. Then apply for a loan. In general, the audit is expected to take 1-2 working days. After the audit is completed, the platform will notify the borrower by SMS.

Second, do you have the credit information of Shang Tong loan?

Shang Tong Loan is a platform owned by CreditEase. CreditEase is connected to the central bank's credit information system, so if the borrower has overdue behavior, it will be reported for credit information. If it is serious, it will affect the application for loans, credit cards and even travel in the future. In addition, it is necessary to pay overdue penalty, and the calculation formula of overdue penalty is = (monthly payable amount-actual monthly repayment amount) ×0.2%× overdue days. So I suggest you pay back on time and maintain a good credit.

Shang Tong Loan aims to solve the financing problem of small and medium-sized e-commerce. The borrower does not need to provide real estate license and business license, but only needs to be a legal citizen of Chinese mainland who is 22-55 years old and has been in business for more than 6 months. He can apply for a loan by submitting the information of the business entity and the actual business data. The loan amount is approved according to the borrower's repayment ability and the operation of the store. The maximum loan interest rate is 654.38+0.000 yuan, and the monthly interest rate is 0.67%. Support revolving loans. After the borrower submits the application 1 working day, confirm the loan amount and the number of installments, and confirm the card receipt information, so that it can be received on the same day.

To sum up, Shang Tong's loan approval is also very fast, and ID cards and debit cards need to be prepared. If the authorized funds are large, you need to prepare to fill in the enterprise information. After the approval, you will be notified by SMS. Shang Tong's loan was creditable, so it was accepted at the meeting. After all, it is connected to the central bank's credit information system. If the penalty is paid, it will increase with time, so overdue friends will repay as soon as possible. Of course, Shang Tong Loan also provides services for small and medium-sized e-commerce companies to solve their financing problems. If you have any other related questions, you can ask us.