Casual loans are more reliable. Based on financial technologies such as Internet big data risk control and artificial intelligence, China Everbright Bank goes deep into consumption scenarios to provide customers with convenient, fast and intelligent network inclusive finance services. And if it meets the application conditions relatively, it will generally pass. The following are the loan-free application conditions: 1, and the age is only between 22 and 55. Have full capacity for civil conduct. 2. It must be a customer of China Everbright Bank who has paid wages for half a year in a row. Everbright Bank Sunshine Free Loan can provide you with a consumer credit loan of up to 300,000 yuan, with a maximum loan period of 36 months. After you get the credit line, you can withdraw it at any time according to your own needs. In terms of loan interest rate, the loan interest rate of Sunshine Sui Xin of China Everbright Bank is 45%, 65% and 80% higher than the benchmark interest rate. These interest rates are within the legal range.
Reasons for rejection of voluntary loan application: 1. Does not meet the hard conditions, covering a wide range, including the applicant's age, credit information, income status and so on. Moreover, different loan products have different requirements for loan applicants, and everyone should decide according to the specific lending services in their own casual loans. 2, personal debt, personal debt ratio is a point that banks attach great importance to when reviewing loan applications. If the personal debt ratio is too high, even if your financial situation is good, there will still be some adverse effects in handling casual loans. If the debt ratio is too high, the bank will feel that the borrower's repayment ability is problematic, thus rejecting the applicant's loan request. 3. The bank's running water is insufficient, and the importance of the bank's running water to the loan is not to mention. When applying for a free loan, you need to submit a salary of more than 6 months. However, it should be noted that the wage flow mentioned here must be issued by China Everbright Bank, and the wage flow issued by other institutions may directly lead to the rejection of loans.