"Hello e-loan" is a pure credit consumption loan launched by Bank of Nanjing for individual consumers. No mortgage, no guarantee, mainly based on personal credit and social security payment of provident fund. The maximum loan amount is 300,000, and the annual loan interest rate is as low as 5.88%. Customers don't need to go to bank outlets, and they don't need to apply for bank cards of Nanjing Bank. At present, according to most users, after completing all the application procedures, they can basically get a reply in a short time, and the loan will be recycled and the daily interest will be repaid.

Hello, e-loan application conditions

The Hello E loan of Nanjing Bank is mainly aimed at individual customers who meet the accreditation conditions of Nanjing Bank. Individual customers with good credit records can apply by logging in to my Nanjing mobile app without providing any paper materials or any mortgage guarantee. Face recognition technology and dynamic verification code are adopted to ensure the authenticity of the applicant's identity. The maximum loan amount is 300,000 yuan, the term is flexible, and it can be recycled within the validity period. The shortest loan period is 7 days and the longest is 1 year.

Hello, what's the interest rate of online loan?

Hello, Nanjing Bank. You can apply for a loan online by logging in to Nanjing Bank APP. Business personnel can handle business 24 hours a day, 7 days a week, and the maximum loan amount can reach 300,000. The expected annualized interest rate of e-loan of Bank of Nanjing is based on the benchmark expected annualized interest rate. The expected annualized interest rate of the loan within one year (including one year) is 4.35%, which is subject to the standard of Nanjing Bank.

Hello, the reason why the e-loan application was rejected.

Application rejection may be caused by the following reasons:

① Personal credit report is a very important reference factor when applying for a loan. If the personal credit status is not good, there will be overdue or arrears, etc., it will not be approved.

2 If the income is too low and there is no stable and sustainable income, the borrower will question its repayment ability.

(3) The age does not meet the requirements, and it is not easy for people aged 60 or over to apply for loans.

(4) people engaged in high-risk occupations.