How to transfer Huimin Loan to my account?

How to withdraw money from Huimin Loan?

There are two situations for withdrawing money from Huimin Loan, one is manual withdrawal, and the other is automatic disbursement during consumption. When the borrower actively withdraws cash, the user needs to log in to the Bank of Communications mobile banking. After entering Huimin Dai, select "Withdraw Now" to successfully withdraw the loan, and then select "Transfer Now" to transfer the funds to the bank card. .

In addition to withdrawing funds from Huimindai to bank cards, you can also directly use credit cards for consumption or scan QR codes to pay with mobile banking and withdraw cash. It should be reminded that after the Huimin Loan fund application is successful, each withdrawal will need to be approved by the system.

Huimin Loan is a personal credit loan launched by Bank of Communications. It is mainly aimed at working-class people with low incomes. The loan amount is up to 300,000 yuan and the loan period is 36 months. It is used for personal consumption. Loan and Huimin loan applications are completed online, and the approval speed is very fast.

Huimin Loan is a consumer credit 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 loan period is up to 36 months, and the daily interest rate is the lowest. 0.02 or less. After applying for a Huimin Loan from the Bank of Communications, you can withdraw it from the lending bank card and use it except in ways that are not allowed (financial management, buying a house, etc.), and you can also directly swipe the card for consumption. To apply for a Bank of Communications Huimin Loan, you can directly go to a nearby Bank of Communications branch to apply.

What kind of loan is Huimin Loan?

First, Huimin Loan is mainly targeted at four major customer groups, including Bank of Communications credit cards, those with mortgages, those with punch-in wages, and those with provident fund payments. Huimin Loan is a credit loan product, not for everyone. Any user can apply for Huimin Loan. Users need to meet certain requirements to apply for Huimin Loan, which is mainly targeted at four major categories of users.

Second, the main elements of the Huimin Loan product are up to 300,000 yuan and the longest period is 36 months.

Huimin Loan is a credit loan product with a maximum loan amount of no more than 300,000 yuan, with the longest period not exceeding 36 months.

For banks, the risk of this type of loan is relatively small if the loan amount is low. If a user is overdue on a small-amount loan, the cost of default will be too high for the user, and most users will not Past due on small amount loans. In order to control loan risks, Huimindai's repayment method is equal amounts of principal and interest. The user's monthly repayment includes the loan principal and loan interest. The user's loan principal is gradually reduced every month, and the bank's possible risks Losses are also gradually decreasing, while the cost of breach of contract is getting higher and higher for users. How to transfer Huimin Dai to your own account

After the payment is approved by Huimin Dai, you can log in to the mobile banking of Bank of Communications, then find Huimin Dai on the homepage, and after entering Huimin Dai, select the immediate transfer function. Follow the reminder steps to transfer the money to the designated account.

Of course, if you don’t want to transfer it out directly, the money in the Huimindai account can also be used for consumption. It can be directly deducted when consumption, which has many usage scenarios in daily life. How to withdraw cash from Bank of Communications Huimin Loan

Apply for Bank of Communications Huimin Loan. After the information is reviewed and approved, the bank will immediately disburse the loan, usually directly to the bank card account filled in by the borrower when borrowing the loan. Huimin Loan Cash withdrawals are also made through your own bank card.

After the Huimindai loan is successfully issued, the borrower can make purchases by swiping the card, or withdraw cash from the savings card. The withdrawal method is the same as ordinary bank card withdrawal, and can be done at the bank counter or cash machine. , but if your withdrawal amount exceeds 50,000, you need to make an appointment at the counter in advance.

Conditions for Bank of Communications Huimin Loan

Currently, Bank of Communications Huimin Loan can only be applied for through the Bank of Communications mobile APP. After entering the APP, select "Finance" - "Personal Loan". Find "Huimin Loan" and click to be credited to the application page.

The application conditions for Huimin Loan borrowers are as follows:

① Have received the invitation text message for opening Huimin Loan from the Bank of Communications

② The borrower has a stable Job and sustainable income, with sufficient repayment conditions

③ Good credit record, no overdue and other default records

④ Hold a Bank of Communications savings card, and be paid by the transportation company Bank pays wages

Interest rate of Bank of Communications Huimin Loan

The interest rate of Bank of Communications Huimin Loan is determined based on the actual situation of the borrower. For individuals with good credit, the general daily interest rate is 0.02 , that is, the annual interest rate is 7.3, and the repayment can be divided into 3 months, 6 months, 12 months and 24 months. For example, if Xiaolin borrows 20,000 yuan and Xiaolin chooses to repay it one month later, the interest on his repayment will be 20,000*0.02*30=120.

How about Bank of Communications Huimin Loan

Huimin Loan is a new credit loan product for salaried workers launched by Bank of Communications. The loan limit can be up to 300,000 yuan, and the daily interest rate is As low as 0.02, the loan period can be as long as 36 months, and you can borrow and repay at any time. Currently, only the Bank of Communications APP is supported. All transactions are completed online. No offline signing is required. The loan is directly deposited to the borrower's bank card. The borrower can directly withdraw cash for use after the payment is received. Why can’t Huimin Loan be transferred to my own card?

The money from Huimin Loan can be transferred to your own card. After the Huimin Loan application is successful, the loan will be transferred to a special account. It is not directly issued to the lender’s bank card. The lender must To access it, you need to enter the software and transfer the money out of the special account.

After applying for a Huimin loan, the lender must repay the loan on time in accordance with the requirements of the contract. If it is overdue, it will affect the personal credit report. At the same time, after the loan is overdue, the platform will also charge a penalty to the lender. If the loan is not paid off for a day, the loan pressure will always exist.