How to get an online loan from Bank of China

Currently, customers in some areas of the country can apply for loans online through Bank of China personal online banking and mobile banking. Online loan application supports micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. The details are Please select from the drop-down menu.

To use personal online banking, you can operate it in Loan Management-New Business Application-More Loan Applications.

To use mobile banking, you can operate it on the home page - Loans - More loan applications.

The above content is for your reference, please refer to actual business regulations.

How to apply for a loan online?

Applying for a loan through the Internet is convenient and fast, and loan seekers can get in touch with the loan provider quickly. In recent years, more and more people are applying for loans directly through the Internet. The following is an introduction to the online loan process:

The general process for making a loan online:

1. Find a reliable loan website. There are currently many types of loan websites, and choosing a reliable website can speed up the loan process and avoid being deceived to a large extent. It is recommended to choose a larger domestic loan intermediary website;

2. Enter After the website, you can select the type of loan according to your own needs and provide loan needs through the Internet;

3. The website reviews personal information and classifies each person's personal information to find a matching loan provider. The business personnel of the loan provider will then contact the loan demander directly;

4. The borrower goes to the lending institution, and the borrower and the lender negotiate face-to-face on loan-related matters, such as loan requirements, loan amount, loan interest rate, etc. ;

5. Sign a loan contract. For a formal loan, you must sign a relevant legal loan contract to give each other a guarantee in the future;

6. Lending. After the loan contract is signed, the subsequent matters can be handled to complete the loan, and the borrower can just remember to repay the loan in the future.

Andaiike editor needs to remind everyone that online loans are usually just a step in finding a loan supplier. After getting in touch with the loan supplier, you still have to meet with the supplier's salesperson to discuss relevant matters in detail. , at the same time, loans are usually not completed in a bankrupt manner, so those who claim to be able to do bankruptcies are mostly scammers. During the loan lending process, if the loan is not disbursed, the regular loan provider will not ask the borrower to pay any fees in advance. If the other party asks to pay any fees in advance, it is usually a scammer.

How to apply for a loan online

If you want to apply for an online loan, it is recommended to apply for loan business through formal channels for financing, and do not go to those online loan platforms for loans.

Online loans are unsecured, with high interest rates and high risks. Compared with traditional loan methods, online loans are completely different. Moreover, the central bank has repeatedly made it clear that annual compound interest rates exceeding four times the bank interest rate are not protected by law. It also increases the high risk of online loans (generally 7 times or more than bank interest rates). You can consider applying for the Agricultural Bank of China's online loan business

Agricultural Bank of China's online loan application conditions (1) Basic conditions 1. Be 18 years old and not more than 60 years old, have the nationality of the People's Republic of China and the People's Republic of China, and have full Capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Be an electronic banking customer of our bank and hold a security certification tool issued by our bank. (Currently only second-generation K-Bao customers are supported) 4. The credit status is good, 5. There is no unexpired "NetJiedai" loan limit, and there is no unsettled "NetJiedai" loan balance. 6. Stable income and the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear

The loan limit applied for on Jiedai is 3,000 yuan to 300,000 yuan; the loan limit is valid for 30 days, and the borrower must use the loan within the validity period of the limit. The loan limit cannot be allocated in a macro manner The cycle of application, approval, and disbursement can be completed within a few minutes.

“Wangjie Loan” implements the process of self-service application, automatic review and approval, online signing of credit contracts, and self-service credit use. The application process is as follows:

(1) The borrower logs into the online channel designated by our bank (personal online banking, mobile banking) and enters the "NetJie Loan" application interface.

(2) The borrower understands the "Wangjiedai" product situation, basic loan conditions and processing procedures.

(3) Fill in the basic information, including the loan period to be applied for, borrowing and repayment accounts, mailing address, etc.

(4) The system verifies the validity of the mobile phone number.

(5) Sign the "Personal Credit Investigation Business Authorization Letter" online.

How to get a loan online?

Online loan process:

1. Submit the application. The applicant logs into the online loan platform, fills in relevant information on the platform, and submits a loan application.

2. Platform review. Online loan platforms use big data or platform risk control to review the information submitted by the applicant, such as the authenticity and credit status of the information submitted by the applicant (for online loan platforms that are connected to the central bank’s credit reporting system, users need to After signing the authorization letter for personal credit reporting business, the platform can review the user's credit status by querying the user's credit reporting), etc., to determine whether the applicant meets the loan requirements.

3. Return visit from the platform. Some online loan platforms will also conduct follow-up visits to the applicant by phone to further verify the applicant's situation.

4. Sign the contract. After the platform is approved, the loan contract will be signed online with the applicant.

5. Grant loans. The platform will distribute the funds to the designated account.

6. After the loan is successfully approved, the borrower will repay the principal and interest of the loan on time in accordance with the contract.

When applying for a loan online, you must have a detailed understanding of the loan website to avoid being deceived.