How to handle the rural commercial easy loan card?

Application materials for easy loan card of rural commercial bank:

1. Personal credit line application form;

2. The identity certificate, household registration certificate and marital status certificate of the borrower and spouse;

3. Proof of stable economic income of the borrower and spouse;

4. Mortgaged or pledged materials, such as real estate property certificates and certificates of deposit. , if other people's assets are used as collateral/pledge, the identity certificate, household registration certificate and marital status certificate of the owner and spouse shall also be provided;

5. Other information required by the bank.

Guidelines for handling easy loan cards of rural commercial banks;

1. Application: The borrower fills in the application form at the loan handling office with the above application materials.

2. Approval of line: The bank investigates the borrower's guarantee, credit and income level, carries out approval according to procedures, and informs the borrower of the approval result.

3. Bank signing: After the borrower's application is approved, the bank signs a contract with the borrower and the guarantor and goes through the mortgage registration formalities.

4. Self-help loan: The borrower makes self-help loans in telephone banking and online banking according to his own use plan.

5. Self-consumption: the borrower consumes at the POS machine in the shopping mall and pays for the consumption online.

6. Self-service repayment: the borrower repays in advance through telephone banking and online banking.

7. Automatic deduction: the bank automatically deducts money according to the entrusted deduction agreement.

Extended data

Customers provide collateral (such as real estate) or pledge (such as certificate of deposit) recognized by the bank, and the bank gives customers a credit line that can be recycled within a certain period of time. When customers need money, they can withdraw money by themselves at any time through online banking and telephone banking electronic channels, so that online credit card swiping and payment can be easily realized.

The product features of Easy Loan are as follows:

1. Simplified procedures: one application, n recycling.

2. Easy loan: Easy loan and repayment through online banking or telephone banking.

3. Cool consumption: POS machines can consume online with a click of the mouse.

4. Interest saving: lower than the credit card interest rate, there is a grace period for appreciation.

5. Intelligent financial management: help you plan to spend money within the quota and repay it for free.

Baidu encyclopedia-easy loan

Changfeng rural commercial bank-how to apply for easy loan card