Bank of China e-loan will not be approved for the second time.

If the user fails to approve the BOC e-loan for the second time, you can see whether his qualification and credit have changed, and the previous usage record does not meet the requirements, which leads the bank to think that the user has repayment risk after approval and cannot approve it; Or the Bank of China itself has tightened its lending quota.

Under normal circumstances, this product supports users to recover it within the validity period of credit, and return it with the loan.

In addition, after the user successfully applies for BOC e-loan, the funds can only be used for personal legal consumption expenses, and the borrower cannot use the loan for buying a house, repaying mortgage loans or buying stocks and futures. If the funds are used in prohibited areas, it is likely to trigger the risk control of China Bank and have a negative impact on the bank's impression evaluation.

Therefore, users should pay attention to maintaining their own credit status and using loan products in compliance when using BOC e-loan.

Bank of China Bank E loan conditions

1, paid in BOC for more than 6 months;

2. The mortgage has been repaid continuously in BOC for more than 24 months;

3. The depositors connected with BOC have continuously paid the provident fund for more than 6 months (at present, BOC has supported customers who have paid the provident fund, local tax and social security in some areas to apply for BOC e-loan);

4. Reach the level of wealth customers of BOC. You can apply for BOC e-loan if you meet one of the above conditions.

BOC E-loan is a credit consumption loan product launched by China Bank, which is mainly aimed at high-quality customers, wealth private customers, mortgage customers of China Bank and customers who have paid provident fund, social security and individual tax in some areas. As long as the individual 18 is over one year old and has full capacity for civil conduct; Personal credit information is in good condition; You can apply for a loan if you have certain repayment ability. The maximum amount of loan products can reach 300,000 yuan.

If users want to apply for BOC e-loan, they can apply in the following ways:

Operating environment: Apple 12 ios 14 WeChat 3.4.5.27/ China Bank mobile phone 7.05438+0.

1, WeChat application. Follow the official account of "Bank of China Micro-Banking" on WeChat, click "Micro-Service"-"More Functions" after entering, and then click "BOC E-Loan Application" in my loan.

2. Mobile banking applications. Install the mobile banking APP of Bank of China on your mobile phone, click "Loan" after entering, and then select BOC E Loan to apply.