As long as it meets the requirements, Bank of Communications Huimin Loan is a good application.

I. Bank of Communications Huimin Loan

Product introduction

1. Limit: up to 200,000 yuan.

2. Interest: The annual interest rate (simple interest) is 4.32%.

3. Duration: 1- 12 months. The loan line is valid for 12 months. The borrower can reuse the line during the line period, and can reactivate the line after the line expires.

4. Repayment method: equal principal and interest, which can be repaid with the loan, and there is no handling fee for prepayment.

5. Required preparation materials: ID card and bank card. 6. Time of receipt of audit: generally, the results are obtained in seconds, and the accounts are received in seconds.

7. Application field: national application conditions

8. Age: 18-60 years old

Secondly, if you meet one of the following conditions, you can apply.

1. Bank of Communications cardholder

2. Bank of Communications salary customers

3. mortgage to buy a house or provident fund customers. Credit request

1. The inquiry record of loan approval or credit card approval in the last 2 months is less than 6 times.

2. History cannot be seriously overdue (3 or above)

Third, matters needing attention:

1. There are many questions, but if you have intensive contact with Bank of Communications, you can also try it.

2. High-quality units have a high pass rate and low interest.

3. The line can be paid by cash withdrawal (counter/self-service machine), POS card swiping, mobile banking transfer, mobile banking code scanning payment, using the mobile banking cashier of the loan lender, etc.

Bank of Communications Limited loan map:

Application process: WeChat: Apple 12, ios 14, WeChat version 8.0. 13.

1. Search applet: Huimin Loan Emergency Fund, click Apply Now.

2. Fill in the ID number (photo of ID card is not required) and basic information to get the quota.

Disclaimer: Product information is collected by this platform in official website or other public information platforms, subject to the official release. Bank of Communications Huimin Loan is a pure credit and pure online loan launched by Bank of Communications for the working class, which is distributed to Bank of Communications' payroll customers and stock mortgage customers.

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Is the Huimin loan of Bank of Communications formal?

Yes, Huimin loan is a formal loan. It is a pure credit consumption loan provided by Bank of Communications to individual customers with stable income. You can apply for self-service loans in mobile banking, and the system will automatically approve them. It is not only simple and fast, but also can be used for cash withdrawal, POS credit card consumption and code scanning payment in mobile banking.

Bank of Communications Huimin Loan is a personal credit loan of Bank of Communications for the working class, without mortgage and guarantee. The loan amount can only be used for consumption, not for other purposes such as house purchase and wealth management. At the same time, the maximum loan amount of this product is 300,000 yuan, and the longest loan period is 36 months. You can borrow it and return it, and there is no handling fee for prepayment.

Conditions for Bank of Communications to apply for Huimin loan

1, wage earners have stable jobs and incomes.

2. This unit has been working continuously for more than six months.

3. Personal credit record is good

4. Hold the Bank of Communications savings card, and the Bank of Communications will pay wages.

5. Users with Bank of Communications mortgage loans.

Tips: Because it is a bank loan product, it is affirmative to check and submit credit information. On the application page of Huimin Loan, there is indeed a personal credit information inquiry and authorization letter that I have read and agreed to, so it is difficult for users with bad credit information to apply.

Bank of Communications Huimin Loan Application Process: From the Bank of Communications APP, select Finance-Personal Loan, find Huimin Loan, and click Record on the application page. Many users have received short messages and telephone invitations from Bank of Communications. As long as the credit information of such users meets the requirements, the probability of application is relatively high.

As a bank's pure credit loan, Bank of Communications Huimin loan has obvious advantages, such as large amount and low interest. However, the requirements of bank loan products are relatively high, and users with poor credit information, high debts and unqualified applications will find it difficult to pass. But if you invite users, you will have the advantage of applying to a certain extent.

The interest of Bank of Communications Huimin loan should be determined according to the actual situation of borrowers, and the daily interest rate of some people can be below 0.02%. Bank of Communications Huimin Loan adopts the method of daily interest, and the interest of one day is calculated by borrowing one day. If everyone repays the loan on the same day, there is no need to pay interest.

According to the provisions of the Bank of Communications Huimin Loan, the loan only needs to pay interest for a few days, and no penalty is required.

For friends with long loan term, Bank of Communications Huimin Loan adopts the repayment method of equal principal and interest. You can repay the loan within three months, six months, 12 months and 24 months.

How to use Huimin loan?

Huimin loans 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 the working class with low income. 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 Bank of Communications' Huimin loan application is approved, it can be taken out from the loan bank card, and it can be used except for the ways that cannot be used (financial management, house purchase, etc.). ), you can also use it directly by credit card. To apply for the 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 of all, Huimin loan mainly targets four types of customers, including Bank of Communications credit card, mortgage house, payment card 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 to apply for Huimin loan, mainly for four types of users.

Second, the main elements of Huimin loan products, with a maximum of 300,000 yuan and a maximum of 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 are overdue on micro loans, the default cost is too high for users, and most users will not be overdue on micro loans. 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.