How to operate a mobile banking loan?

China Bank Personal Mobile Banking Online Loan Application Operation Steps:

Please log in to the personal mobile banking client of Bank of China and click more loan application on the home page-loan page to operate.

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

How to apply for a loan through mobile banking?

Mobile phone loans can only be submitted once. I need to go to the bank in person and consult the bank. Information required for loan:. The borrower's valid identity card and household registration book; Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); Real estate title certificate; Guarantor (ID card, household registration book, marriage certificate, etc.). ) the following points should be noted:. Only collateral can be used for loans, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; Have a long-term stable income source, enough to pay the monthly loan principal and interest; Guarantor; Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years; Customers who enter the blacklist of the credit information system cannot apply for loans; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan. The process is as follows: Apply for a loan from the bank. After the acceptance of the bank, the value of the mortgaged property is evaluated, and the loan amount is approved according to the evaluation value; Open a personal current account, sign a loan contract, etc. ; Handle real estate mortgage registration; Bank loan.

How to handle the personal loan of China Bank's mobile banking?

At present, online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu. You can use mobile banking in Home-Loans-More Loan Applications.

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

How to borrow a bank loan on a mobile phone?

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: verify by phone within t1day, and arrange lending after confirming the information. 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.