How to handle personal loans from banks?

China Merchants Bank has lightning loan business. At present, you can apply through mobile banking or check whether you are eligible to apply.

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. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)T+ 1 day loan. Within T+ 1 day, there will be a phone call from the nuclear power plant to verify and arrange the loan after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

If you can't apply, it is suggested that you can apply according to the purpose of the loan, such as mortgage, car loan and consumer loan. These loans are earmarked for special purposes. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Each loan project requires different conditions and application materials. Please call the customer service hotline of China Merchants Bank at 8:30- 18:00, select "3-3-9" to enter the manual service, and provide the loan purpose and city details. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.

(Response time: February 28th, 2020. Please refer to the latest business changes announced by China Merchants Bank in official website. )