How to buy a house with a new easy loan?

Conditions for handling new easy loans of China Bank

"New Easy Loan" refers to the consumer credit loans provided by BOC Consumer Finance Company to new or existing mortgage customers, individual housing loan customers, individual commercial housing loan customers or other customers of China Bank. The loan line application is used once, and the loan line cannot be recycled. Please call the customer service hotline of BOC Consumer Finance Company at 95 137 (working hours: 8: 00-23: 00) if you need to know the conditions for handling Xinyi Loan.

The above contents are for your reference. Please refer to the actual business regulations.

How to apply for a loan for Xinyi Loan Micro-loan? What is the loan process?

New Easy Loan Micro-loan is a very simple and convenient software. You only need an ID card to lend money in two minutes at the earliest, which is very simple. Some borrowers who are interested in Xinyi Loan don't know how to borrow money from this software. So, how does Xinyi Loan apply for a loan? What is the loan process? Next, let's tell you about the loan process of Xinyi Loan.

Detailed explanation of the application process of Xinyi loan micro-loan;

1. Download the new version of Easy Loan Micro-loan Mobile APP, open the homepage of the APP, and click "Micro-loan" to enter;

2. On the micro-loan page of Xinyi Loan, users can view some information related to the loan, and then click "Apply Now";

3. Then click to enter the "My Personal Information" page, enter your real name, ID number and name pinyin, and carry out real-name authentication. Click Next;

4. Submit the required relevant information in the background (the information should be true and complete);

5. After submission, the background will quickly approve, and the quota approval can be completed in 30 minutes at the earliest;

6. The application result will be notified to the user by SMS;

7. After passing, you can spend money immediately.

Bank of China Xinyi loan line

Unsecured and unsecured credit loan products specially designed for individual consumers. The maximum loan amount is 200,000 yuan.

Letter of credit clause

(1) "BOC Consumer Easy Loan-Enjoy Loan":

/kloc-mainland citizens aged 0/and 1 8-65.

2. Have a stable job and income at the place of application.

3. The applicant has no bad credit record.

4. Customers need to own local real estate in their own name.

(2) "Xinyi Loan-Owner Loan":

/kloc-mainland citizens aged 0/and 1 8-65.

2. Have a stable job and income at the place of application.

3. The applicant has no bad credit record.

4. Customers with an application amount of 6,543,800+or more must own local real estate in the name of themselves, their spouses or minor children.

(3) "New Easy Loan-Wage Enjoy Loan":

/kloc-mainland citizens aged 0/and 1 8-60.

2. Have a stable job and income at the place of application.

3. The applicant has no bad credit record.

4. Customers with an application amount of 6,543,800+or more must own local real estate in the name of themselves, their spouses or minor children.

(4) "Xinyi loan-policy loan":

/kloc-mainland citizens aged 0/and 1 8-65.

2. Have a stable job and income at the place of application.

3. The applicant has no bad credit record.

"New Easy Loan-Skill Cloud Staging":

1, a mainland citizen aged 20-35.

2. Have a stable job and income at the place of application.

3. The applicant has no bad credit record.

(6) "New Easy Loan-Education Cloud Staging":

1, a mainland citizen aged 20-60.

2. Have a stable job and income at the place of application.

3. The applicant has no bad credit record.

Application process

1. The on-site application process for consumer finance service points is as follows:

Step 1: fill in the application form on site and submit my ID card, etc.

Step 2: Send the application information to the examination and approval center for credit evaluation;

Step 3: After the approval (generally within 1 hour), the customers who passed the approval will receive SMS notification;

Step 4: Customers who have passed the examination and approval can use Xinyi Loan to spend financial loans in special merchants.

Step 5: Within 7 working days, the customer will receive a new easy-to-borrow consumer financial card, which can be used on the POS machine of the designated UnionPay merchant.

Two. The approval process of online application for New Easy Loan is as follows:

Step 1: Complete the registration of application information on the loan application page of the company website and upload the necessary application documents as required (hint: please put my ID card on white paper, sign my ID card to confirm the application and sign it, then shoot and upload it);

Step 2: the company will complete the pre-approval of online application within three working days, and the pre-approval result will be notified to the customer by SMS;

Step 3: Pre-approved customers can apply for a new one-loan joint debit card at the branch of China Bank, and bind the debit card with the new one-loan consumer finance loan card as the repayment account of the loan.

Step 4: Within 7 working days, the customer will receive a new Easy Loan Consumer Finance Card.

Extended data

loan rate

(1) "BOC Consumer Easy Loan-Lexiang Loan": the annual interest rate of the loan is 12%-24%. (The pricing of different regions and customer groups is subject to the contract)

(2) The annual interest rate range of "Xinyi Loan-Owner Loan" loan is 15.5%~24%. (The pricing of different regions and customer groups is subject to the contract)

(3) The annual interest rate range of "Xinyi Loan-Wage Loan" loan is 1 1.5%~20%. (The pricing of different regions and customer groups is subject to the contract)

(4) The annual interest rate range of "Xinyi Loan-Policy Loan" loan is 15.5%~24%. (The pricing of different regions and customer groups is subject to the contract)

(5) The annual interest rate range of "Xinyi Loan-Skill Cloud Staging" loan is 12%-24%. (The pricing of different merchants and customers is subject to the contract)

(VI) The annual interest rate of the "Xinyi Loan-Education Cloud Staging" loan is "0". Single loan regulation: the maximum amount of a single loan is 50,000 yuan.

Overdue treatment

If loans overdue fails to repay, please deposit the corresponding amount into the designated repayment debit card for repayment. For overdue loans, the company will charge a daily overdue fee of about 0.5 ‰ according to the loan balance (or 5 yuan will charge a daily overdue fee of 0 yuan-10000 yuan, and so on for a higher loan balance), and report the customer's repayment default behavior to the basic database of financial credit information of the People's Bank of China. See the loan contract for the specific standards for collecting late fees.

Usage hint

Loans should be used for personal and family consumption expenses, and the purpose of loans should meet the regulatory requirements. The loan funds shall not be used for house purchase, car purchase, investment and operation, and shall not be used for any projects and purposes prohibited by laws, regulations, regulatory provisions and national policies from being invested by consumer finance companies, including but not limited to financial investments such as stocks, securities investment, futures trading, foreign exchange trading or entrusted wealth management, gambling, illegal activities involving black and evil or other abnormal consumption purposes.