Received a short message from a rural commercial bank

This is the marketing advertisement of the bank. Please read the message again. It says that you have a loan line and can activate it. That doesn't mean you already have a loan. Now all banks will push this advertisement. I hope that customers who need loans can go to the bank for consultation. It doesn't mean that you have borrowed 398,000 yuan, but it doesn't mean that you can successfully borrow 398,000 yuan with a short message. It just means that the bank will send you text messages to promote their bank's loan products and business.

At present, Fuzhou Rural Commercial Bank can recognize civil servants and institutions, state-owned enterprises and central enterprises, Fortune 500 companies, A-board listed companies and internal list units of some banks. List of other units that need to be checked by professionals. (This is only for users who work in five districts and eight counties in Fuzhou. Users in other regions can consult local banks, and the real estate industry needs to be cautious. )

Quota: 300,000 yuan (only for one spouse, if one spouse has a series of agricultural products of Pratt & Whitney Card, the other spouse can't get the credit line).

The repayment method of this product is different from that of Strait, and there is only the option of borrowing and returning.

Repayment method: you can borrow it and pay it back.

Interest: 2.5 yuan RMB/day

Requirements: 1. The monthly payment of provident fund exceeds 1000 (company+individual exceeds 1000) and has been paid in full 1 year.

2. The credit liabilities are less than 400,000 yuan (the credit liabilities for providing real estate are increased to 600,000 yuan), and the credit liabilities refer to the credit line of credit card plus credit loan.

Credit card use requirements:

The credit card usage rate cannot exceed 80%, and it will not be imported if it exceeds the normal channel.

(Of course, there are abnormal channels, so I won't talk about this here. )

Credit requirements:

Overdue within 2 years can not exceed 4 times, overdue for two consecutive months, overdue for the current unprocessed, overdue for more than 5 times within 2 months. If the credit information does not conform to the normal entry method, it will not be entered. Rural merchants will review the credit information of both husband and wife and go through the big data system first. Big data can't pass credit information, and the other spouse has problems with credit information (of course, there are abnormal channels, so I won't talk about this here).

If you can meet the above conditions, you are eligible for a credit loan for the provident fund project of Fuzhou Rural Commercial Bank.

Amount: 80- 100 times of the monthly provident fund.

Suppose you pay the provident fund every month, both companies and individuals are 2500 yuan, and the credit line you get from Straits Bank is 200,000 to 250,000 yuan.

You can also compare the two products of Strait and Nongshang. The overall interest of farmers will be lower than that of the Straits, but the requirements are relatively stricter than those of the Straits. Therefore, every product has its own reasons. The lower the interest rate, the greater the corresponding difficulty and the smaller the quota. Only the product that suits you is suitable.