Bank of Communications Huimin Credit Line

Is the amount of manual review of Bank of Communications Huimin loan high?

Manual review of Bank of Communications Huimin loan is a high amount. Inquiring about relevant information shows that the maximum applicable amount of Bank of Communications Huimin loan is 300,000. Bank of Communications Huimin loan is a manual audit. Will first review the qualifications of the lender, whether there is overdue repayment in the credit record, whether the debt ratio of credit cards or loans in other banks is high, and whether there is repayment ability.

What is the amount of Huimin loan paid by Bank of Communications credit?

Bank of Communications Credit: Huimin Loan!

Zhihu user G6tgLQ

The businessman from Leka said

Today I will tell you about a credit product from another bank. This product belongs to Bank of Communications and is called Huimin Loan. Similar to the vast loan at the speed of light I told you the other day.

"Huimin Loan" is a personal credit consumption loan launched by Bank of Communications. The maximum amount is 500,000, and the online maximum is only 200,000. More than 200,000 account managers will contact you offline.

It is also a credit product that belongs to the wage category. You can apply for punch cards, social security accumulation funds and mortgages. Credit products have always been the products of stable receipt by intermediaries. Mainly aimed at punch card customers and mortgage customers of Bank of Communications. Needless to say, the bank's products, the requirements for credit information will certainly not be low. Those with poor qualifications should not touch porcelain and waste credit information.

Product name: Huimin loan product features: support early repayment, no handling fee. Pure credit, no mortgage, no guarantee.

The maximum online processing is 200,000, and the maximum offline review is 500,000.

The longest loan period is 36 months, and you can choose when you withdraw money.

There is no charge for applying for the quota, and no interest will be generated without withdrawing money.

If you want to return it, you can return it yourself.

Flexible use, supporting the flexible use of POS credit card, cash withdrawal and transfer.

The annual interest rate is about 4%, which shows that some are high and some are low. The outlets will be lower when there is activity.

Conditions for applying for a loan: 1, with a bank of communications savings card.

2. The credit report has no bad records such as overdue.

3, there are 6 months of payroll records, social security provident fund, mortgage any one.

Note: It is best for Bank of Communications to provide mortgage. If it is from another bank, it is best to choose the relevant credit of the corresponding bank. 4. Applicant 18-60 years old.

Required information: Bank of Communications savings card, face recognition, personal identity authentication, contact person, work information, etc.

Application channel: WeChat official account "Renren Card" replies to "Huimin Loan" to receive the water release channel!

If you need one-on-one guidance from technical instructors, provide internal drainage channels and plan financing plans, you can consult the personal financing class privately!

If you receive a short message from Bank of Communications inviting you to handle this loan before applying, it will basically be approved. However, if there is something wrong with the credit information, it may also affect the approval result.

Ok, that's enough for today's sharing. Learn more about credit cards and loans. WeChat official account: Everyone uses a card.

How to use the Huimin loan of Bank of Communications? Can I withdraw cash?

Bank of Communications Huimin loans can be withdrawn in the same way as ordinary bank cards. You can pick it up at the bank counter or ATM, but if it exceeds 50 thousand, you need to make an appointment at the counter.

The loan amount of Bank of Communications Huimin Loan can reach 300,000 yuan, the daily interest rate can be as low as 0.02%, and the loan period can be as long as 36 months. You can borrow it and return it, and you don't need to pay any liquidated damages for prepayment.

Application channel. At present, the Bank of Communications Huimin loan is applied through the Bank of Communications mobile app. Eligible friends can use mobile banking directly, without offline signing or providing mortgage or guarantee. After the loan is issued successfully, you can withdraw cash directly from the savings card or spend it by credit card.

Extended data

About Huimin loan

Special note: According to the regulations of Bank of Communications on Huimin loan, Bank of Communications only needs to pay interest for a few days after Huimin loan, and does not need to pay liquidated damages.

For friends with long loan term, Bank of Communications Huimin Loan adopts the repayment method of equal principal and interest. It can be repaid in three months, six months, 12 months and 24 months. Xi Cai Jun will tell you how to calculate the interest of Bank of Communications Huimin loan through another example.

Normal repayment

At present, Bank of Communications' Huimin loan adopts the mode of automatic deduction. On the stipulated repayment date, everyone just needs to ensure that the funds in the account are enough to repay. According to the Bank of Communications Huimin loan, the system will deduct the money in three time periods. These three short periods are:

1, 6: 00-8: 00 am on the repayment date;

2. 18-20 pm on the repayment date;

3. About 22 shops in the evening.

overdue repayment

If everyone fails to repay in full and on time, and loans overdue appears, then Bank of Communications Huimin Loan will deduct the arrears from the bank card from time to time. Therefore, after you are in loans overdue, you only need to deposit the funds in full into the designated account.

Early repayment

Bank of Communications Huimin Loan supports prepayment, but it needs manual operation. The operation steps are as follows:

1. Enter the mobile banking of Bank of Communications and operate in the order of "My → My Finance → Loan → Loan Management";

2. Click "prepayment" to make full repayment or partial repayment as required.

Notes on cash withdrawal of Huimin loan from Bank of Communications

1. At present, the system will give priority to withdrawing funds from the Huimin loan account of Bank of Communications, and the insufficient part will be made up by demand deposits.

2. If you want to withdraw more than 50,000 yuan, you need to make an appointment in advance.

3. At present, Bank of Communications Huimin loan can be withdrawn overseas, but it must be used at the self-service counter marked "UnionPay".

Cash withdrawal on board. However, the daily overseas cash withdrawal shall not exceed 6,543,800 yuan, and the annual cash withdrawal shall not exceed 6,543,800 yuan.

4. At present, there is no charge for cash withdrawal of Bank of Communications Huimin loan in China, but there may be some fees for cash withdrawal abroad.

5. At present, Bank of Communications Huimin loan is mainly used for daily consumption after cash withdrawal, and cannot be used for investment or purposes prohibited by laws and regulations.

References:

Can Bank of Communications official website-Bank of Communications Huimin Loan be withdrawn?

How to use Huimin loan?

Huimin loan can be divided into two situations, one is to withdraw money manually, and the other is to automatically lend money when consuming. When the borrower voluntarily withdraws cash, the user needs to log in to the mobile banking of Bank of Communications. After entering Huimin Loan, select "Withdraw Now" to successfully release the loan, and then select "Transfer Now" to transfer the funds to the bank card.

In addition to withdrawing the funds from Huimin Loan to the bank card, it can also be directly used for credit card consumption and mobile banking to scan the code for cash withdrawal. It should be reminded that after the application for Huimin loan funds is successful, each withdrawal must be approved by the system.

Huimin loan is a personal credit loan launched by Bank of Communications, which is mainly aimed at low-income wage earners. The maximum loan amount is 300,000 yuan and the loan period is 36 months. This is a personal consumption loan. Huimin loan application is completed online, and the approval speed is very fast.

Huimin loan is a credit consumption loan provided by Bank of Communications for individual users with stable income. The maximum loan amount of Bank of Communications Huimin Loan is 300,000 yuan, the longest loan period is 36 months, and the lowest daily interest rate is below 0.02%. After the application for Huimin loan from Bank of Communications is approved, it can be taken out from the loan bank card, and it can be used except for the channels that cannot be used (financial management, house purchase, etc.). ), you can also use it directly by credit card. To apply for Bank of Communications Huimin loan, you can go directly to the nearby Bank of Communications outlets.

What kind of loan does Huimin loan belong to?

First, Huimin loan mainly targets four types of customers, including Bank of Communications credit card, mortgage house, card payment and provident fund. Huimin loan is a credit loan product, and not every user can apply for Huimin loan. Users need to meet certain requirements when applying for Huimin loan, mainly for four types of users.

Two, the main elements of Huimin loan products, up to 300 thousand yuan, the longest 36 months.

Huimin loan is a credit loan product, with the maximum loan amount not exceeding 300,000 yuan and the longest term not exceeding 36 months.

The loan amount is low. For banks, the risk of such loans is relatively small. If users pay a small amount of loans overdue, the default cost of users is too high, and most users will not pay a small amount of loans overdue. In order to control the loan risk, the repayment method of Huimin loan is equal principal and interest. User's monthly repayment includes loan principal and loan interest. The user's loan principal is gradually decreasing every month, the possible risk loss of the bank is also gradually decreasing, and the default cost of the user is getting higher and higher.