China Bank Online Loan Application:

1. Currently supported in some parts of China. Please select from the drop-down menu of personal online banking, mobile banking and online loan application function or the China map of China Bank's official website online loan application function.

2. At present, online lending applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, business 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. Please select details from the drop-down menu. Personal online banking can be viewed in Loan Management-New Business Application-More Loan Application. With mobile banking, you can check it in Home Loan-More Loan Application.

3. Online loan application has two functions: loan application and application progress inquiry. You can submit your loan intention to Bank of China through this function. After successful submission, the relevant staff of Bank of China will get in touch with you.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

Excuse me: can I apply for a loan by mobile phone?

As long as you download the mobile banking APP on your mobile phone, you can apply for a loan on your mobile phone, but you must have a time deposit in the bank and have a good reputation. With these two conditions, you can get a loan on your mobile phone.

Have you learned the precautions for sharing five loans with dry goods?

1, the mobile phone number needs attention!

The mobile phone number must be in real-name registration system.

The mobile phone number must be used for more than half a year.

It is impossible to owe the phone bills to the three major operators in the past.

The use time of mobile phone number must be normal.

2. The authenticity of the loan information!

To apply for personal consumption loans, borrowers need to provide authentic documents and materials required by various lending institutions, such as the contact information of various relatives required by most lending institutions. This information should not be tampered with. According to the statistics of most institutions, the suspicion of authenticity is a major reason for refusing loans!

3. It's important to call back!

Anyone who has applied for a credit card should know that after you submit the application materials, the bank will call back, mainly to confirm the authenticity of the materials. In fact, in the process of applying for a loan, there is also a telephone call back, but many people ignore it. I want to remind you not to call back. Often such a small detail is the real reason for your loan failure!

The reason why the lending institution calls back is to confirm the authenticity of the information submitted by the borrower. If the information obtained by the bank through telephone call-back is inconsistent with the information provided by the borrower, then the bank will definitely question the borrower's character and situation, which will make your loan road extremely difficult, or it will not be approved at all.

4. Cherish personal credit!

With the improvement of personal credit information system, its data is no longer limited to traditional business areas such as credit records, and its attention gradually turns to business areas that provide comprehensive social data services. Therefore, at present, more and more lending institutions compare the "credit" of loan applicants through various credit reporting agencies. Once it is included in the "credit blacklist", it is difficult to eliminate the stain. Please cherish your personal credit.

5. Work-related information requirements

Some high-risk industries are difficult to apply for, so we can only think of other ways. These are high-risk industries: coal mine, construction industry, dangerous chemicals industry, aircrew and so on.

It is best to fill in the work for more than half a year. Wage flow, work certificate, business card and work badge are all work-related materials, and submitting them will definitely help.

Mastering the above five dry goods can improve the success rate of loans. Have you learned?

In addition, everyone must choose a formal lending institution when choosing a lending institution.

Can mobile banking apply for a loan?

Mobile phone loans can only be submitted once. I need to go to the bank in person and consult the bank. Information required for loan:. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. ) the following points should be noted:. Only collateral can be used for loans, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; Age limit of the borrower: male age+loan period shall not exceed 60 years, and female age+loan period shall not exceed 55 years; 5. Customers blacklisted in the credit information system cannot apply for loans; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan. The process is as follows: (1) Apply for a loan from the bank; (2) After the acceptance by the bank, the value of the mortgaged property is evaluated, and the loan amount is approved according to the evaluated value; 3. Open a personal current deposit account and sign a loan contract. Handle real estate mortgage registration; 5. Bank loans.