Can Bank of Communications Huimin Loan be withdrawn?

How to withdraw cash from Bank of Communications Huimin loan?

After the Bank of Communications' application for Huimin loan is approved, the bank will immediately lend money, usually directly to the bank card account filled in by the borrower when borrowing, and the withdrawal of Huimin loan is also carried out through its own bank card.

After the Huimin loan is issued successfully, the borrower can spend by credit card or withdraw cash from the savings card. The withdrawal method is the same as that of ordinary bank cards, and can be carried out at bank counters or ATM machines. However, if the withdrawal amount exceeds 50,000, you need to make an appointment at the counter in advance.

Bank of Communications Huimin loan conditions

At present, Bank of Communications Huimin loan can only be applied through Bank of Communications mobile APP. After entering the APP, select "Finance"-"Personal Loan" and find "Huimin Loan". Click it to record it on the application page.

The application conditions of Huimin loan borrowers are as follows:

(1) Received an invitation message from Bank of Communications for Huimin Loan.

The borrower has a stable job, sustainable income and sufficient repayment conditions.

(3) good credit record, no overdue and other default records.

(4) With the Bank of Communications savings card, the Bank of Communications will pay the salary.

Bank of communications Huimin loan interest rate

The interest rate of Bank of Communications Huimin loan is determined according to the actual situation of the borrower. For individuals with good credit standing, the average daily interest rate is 0.02%, that is, the annualized interest rate of 7.3%, which is repaid in three months, six months, 12 months and 24 months. For example, Kobayashi borrows 20,000 yuan, and one month later Kobayashi chooses to repay, so the interest on his repayment is 20,000 * 0.02% * 30 =120.

How about Bank of Communications Huimin loan?

Huimin loan is a new credit loan product of Bank of Communications for wage earners. The maximum loan amount can reach 300,000 yuan, the daily interest rate is as low as 0.02%, and the loan period can be as long as 36 months, which supports the loan-as-you-go. At present, only the Bank of Communications APP is supported, all of which are completed online. The loan is directly transferred to the borrower's bank card, and there is no need to sign an offline contract. The borrower can withdraw the cash directly after receiving the account.

How to withdraw the money from the Bank of Communications Huimin loan to WeChat?

Bank of Communications Huimin loan withdrawal can be carried out at the receiving bank. According to the relevant information, usually after Bank of Communications successfully applies for Huimin loan, the bank will directly transfer the credit line to the special account for Huimin loan under the borrower's name. If the borrower wants to withdraw funds for use, he can only withdraw cash, not directly transfer money.

How to withdraw the money from Huimin loan?

Huimin loan can be divided into two situations, one is to withdraw money manually, and the other is to automatically lend money when consuming. When the borrower voluntarily withdraws cash, the user needs to log in to the mobile banking of Bank of Communications. After entering Huimin Loan, select "Withdraw Now" to successfully release the loan, and then select "Transfer Now" to transfer the funds to the bank card.

In addition to withdrawing the funds from Huimin Loan to the bank card, it can also be directly used for credit card consumption and mobile banking to scan the code for cash withdrawal. It should be reminded that after the application for Huimin loan funds is successful, each withdrawal must be approved by the system.

Huimin loan is a personal credit loan launched by Bank of Communications, which is mainly aimed at low-income wage earners. The maximum loan amount is 300,000 yuan and the loan period is 36 months. This is a personal consumption loan. Huimin loan application is completed online, and the approval speed is very fast.

Huimin loan is a credit consumption 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 longest loan period is 36 months, and the lowest daily interest rate is below 0.02%. After the application for Huimin loan from Bank of Communications is approved, it can be taken out from the loan bank card, and it can be used except for the channels that cannot be used (financial management, house purchase, etc.). ), you can also use it directly by credit card. To apply for Bank of Communications Huimin loan, you can go directly to the nearby Bank of Communications outlets.

What kind of loan does Huimin loan belong to?

First, Huimin loan mainly targets four types of customers, including Bank of Communications credit card, mortgage house, card payment and provident fund. Huimin loan is a credit loan product, and not every user can apply for Huimin loan. Users need to meet certain requirements when applying for Huimin loan, mainly for four types of users.

Two, the main elements of Huimin loan products, up to 300 thousand yuan, the longest 36 months.

Huimin loan is a credit loan product, with the maximum loan amount not exceeding 300,000 yuan and the longest term not exceeding 36 months.

The loan amount is low. For banks, the risk of such loans is relatively small. If users pay a small amount of loans overdue, the default cost of users is too high, and most users will not pay a small amount of loans overdue. In order to control the loan risk, the repayment method of Huimin loan is equal principal and interest. User's monthly repayment includes loan principal and loan interest. The user's loan principal is gradually decreasing every month, the possible risk loss of the bank is also gradually decreasing, and the default cost of the user is getting higher and higher.

Can Huimin loan be withdrawn?

Bank of Communications Huimin loan can be withdrawn. After you apply for the credit line online, you can withdraw cash through the counter of Bank of Communications, self-service equipment of Bank of Communications or other banks. In addition, you can directly use the Bank of Communications Huimin loan for credit card consumption, but you can't transfer money or pay online.

1. When you withdraw cash, the system will give priority to withdrawing funds from the Huimin loan account of Bank of Communications, and make up the shortfall with demand deposits.

2. If you want to withdraw more than 50,000 yuan, you need to make an appointment in advance.

3. Bank of Communications Huimin loan can be withdrawn overseas, but everyone must use the Pacific debit card at the self-service counter marked "UnionPay".

Cash withdrawal on board. However, the daily overseas cash withdrawal shall not exceed 6,543,800 yuan, and the annual cash withdrawal shall not exceed 6,543,800 yuan.

4. There is no charge for the Bank of Communications Huimin loan to withdraw cash in China, but there may be some fees for withdrawing cash abroad.

5. Bank of Communications Huimin loan is mainly used for daily consumption after withdrawal, and cannot be used for investment or purposes prohibited by laws and regulations.

1. Credit line is applicable to customers.

Any independent legal person customer who belongs to the credit object of a commercial bank can approve the credit line according to the regulations.

Application conditions

1. The customer must meet the basic conditions and requirements for the borrower in the general loan rules and credit management policies of commercial banks;

2 customers must be large and medium-sized manufacturing enterprises, import and export enterprises, commercial enterprises or joint ventures, with good operating and financial conditions, and their industries have good development prospects and competitive advantages;

3. The customer has established a stable cooperative relationship with a designated credit bank with a good historical record;

4. The operating characteristics of the customer business are consistent with the operating mode of the credit line, and the business progress can be fully and effectively supervised by the bank;

5. The customer guarantee method meets our requirements.

Two. Product characteristics of credit line

1. The credit line can be recycled, so the formulation of enterprise financial plan becomes clearer and more organized, and there is no need to arrange funds for routine business.

2. Meet the basic financing needs of enterprises. Credit line A single credit line is set according to various credit business types such as loans, letters of credit and letters of guarantee, which basically covers the main financing needs of customers. With the consent of the bank, the quota of a single product can be adjusted and cross-exchanged, which improves the utilization rate of the quota.

3. Simplify enterprise credit approval procedures. After obtaining the credit line, the customer decides the use mode and performance time of the credit line by himself according to the agreement, without reporting it to the credit bank for approval one by one, thus avoiding the time of single credit approval.