Weizhong Bank Micro Industry Loan Application Process

1. Open the "Me" interface in WeChat and select the "Wallet" option.

2. When you come to the "Wallet" window, find the "Weilidai Loan" button and click to enter.

3. It will jump to a new page. After checking the box to agree to the relevant agreement, click "Get Credit" and you'll be fine.

4. In the next step, you need to perform the "identity verification" operation, which is actually to enter the payment password you set on WeChat.

5. In this way, the borrowing function of Weilidai can be realized, that is, click the "Borrow" button to select the amount of money to borrow based on the available loan amount. How to apply for a WeBank corporate loan?

WeBank’s corporate loan is Weiye Dai. Lenders can enter WeBank’s official website or official APP, find Weiye Dai and follow the system prompts to submit relevant information and wait for the bank’s response. The review, overall, is not very complicated.

WeBank’s loans are all genuine. Lenders must maintain good borrowing and repayment records after applying for them and do not overdue them. Overdue corporate loans will affect the lending company’s credit and be detrimental to the company’s future development. Financing activities, this should also be noted. WeBank loan application conditions

The application conditions for WeBank micro-industry loans mainly include the following points:

1. Be 18 years old (inclusive) or above, and hold a Mainland Chinese holder Resident ID card;

2. Be the legal representative of the enterprise;

3. The enterprise is operating well, has stable revenue, and has the ability to repay the principal and interest of the loan on time;

4. The company and its owners have a good reputation, and there is no bad credit record or serious negative information in the credit report.

General taxpayer enterprises, small-scale taxpayer enterprises and individual industrial and commercial households can apply for micro-business loans. However, everyone also needs to note that micro-industry loans are not open to all regions across the country. Currently, only Hunan Province, Guangdong Province, Zhejiang Province, Jiangsu Province, Henan Province, Hebei Province, Jiangxi Province, Anhui Province, Fujian Province, Sichuan Province, Guangxi Province, Shandong Province, Shanxi Province, Hubei Province, Shaanxi Province, Liaoning Province, Yunnan Province, Hainan Province, Tianjin City, and Chongqing City are within the scope of application, and other provinces and cities are still opening up (specific supported cities are subject to the application page). If customers want to apply, they can directly log in to the WeBank Enterprise Aipu APP to handle the application, or follow the WeBank Enterprise Finance official account.

WeBank’s main products:

WeBank has successively launched Weilidai, Weiyedai, WeBank in three major business segments: Public Bank, Direct Bank and Scenario Bank. Car loan, WeBank App, WeBank Enterprise App, Xiaoehuaqian, We2000, etc.

1. Weilidai

Weizhong Bank’s fully online, pure credit, instant borrowing and borrowing microfinance product “Weilidai” has been provided to 31 provinces across the country. More than 28 million customers in nearly 600 cities, municipalities and autonomous regions have issued 460 million loans, with a cumulative loan amount of more than 3.7 trillion yuan. About 77% of the "Weilidai" credit customers are engaged in non-white-collar service industries, and about 80% have a college degree or below; the average loan amount is about 8,000 yuan, and the interest on more than 70% of the paid-up loans is less than 100 yuan.

2. Weiye Dai

WeBank launched China’s first online unsecured corporate working capital loan product - Weiye Dai. More than 70% of the customers of Micro Industry Loan are companies in the manufacturing, wholesale and retail industries and high-tech industries, and more than 60% of the companies have obtained corporate loans from banks for the first time. Weiyedai serves more than 1.7 million small and micro enterprise legal customers, has issued a total of nearly 400 billion yuan in loans, and indirectly supported the employment of nearly 4 million people. In October 2020, WeBank further upgraded its corporate financial service brand to "WeBank Enterprise" on the basis of Weiye Dai to serve the financial and non-financial needs of small and micro enterprises and create a full-link business service ecosystem.

What conditions are required for WeBank's small and medium-sized enterprise loans

1. Prerequisites for WeBank loan application: being selected into the whitelist

The prerequisite for WeBank loan application is to enter the WeBank loan application A whitelist selected internally by all banks. Only by entering the whitelist can you apply for Weili Loan.

Weilidai selects the first batch of users who best meet the customer positioning of "Weilidai" through a "whitelist". If the user finds the icon of "Weilidai" in their QQ wallet, it proves that they have become a WeBank The first batch of customers, but the independent application entrance has not been released.

If you are already in WeBank's "whitelist", just bind QQ with any bank card and click on Weilidai to view your credit limit. If necessary, click For loans, "Weilidai" provides 724-hour service.

2. Necessary conditions for WeBank loan application: good credit and repayment ability

The necessary conditions for WeBank loan application are: Weilidai application is subject to online review Therefore, the applicant’s credit status is crucial to the success of applying for micro-loan. In addition, Weilidai adopts an unsecured and purely credit-based approach. Therefore, the applicant's repayment ability is also an assessment indicator for the success of the application.

Weilidai micro credit loan products have the characteristics of "no mortgage, no guarantee, borrow and repay at any time, and calculate interest on a daily basis". It is understood that the credit limit obtained by "Weilidai" is not the same for everyone, ranging from 20,000 to 200,000 yuan. The loan accrues interest at a daily interest rate of 0.5%, which is equivalent to an expected annualized interest rate of about 7-18.

Extended information:

Weiyedai is an online working capital loan service provided by WeBank for small, medium and micro enterprises. This product is a combination of big data analysis and Internet technology. An innovative financial product. Customers complete everything online from application to withdrawal, no mortgage or pledge is required, the limit is immediately visible, funds arrive in minutes, interest is calculated on a daily basis, and loans can be repaid at any time. WeBank will use technology finance to provide efficient and convenient financing services to small, medium and micro enterprises.

You can now apply for small and micro enterprise loans in several ways:

1. Follow the "WeBank Corporate Finance" official account;

2. Download WeBank APP;

3. Enter the WeBank official website and click Corporate Finance on the homepage.

2. Customers in which regions can apply for small and micro enterprise loans

Currently, it is only open in Guangdong Province, Jiangsu Province, and Hunan Province, and other cities are gradually opening up.

3. WeBank small and micro enterprise loan application process

1. Registration

2. Sign the "Credit Authorization Agreement" and authorize WeBank to inquire Credit record;

3. Signing the "Data Use Authorization Letter" will authorize WeBank and its partners to query the company's tax information;

4. After completing the company certification, it is also required Certify the name, ID number, contact information, etc. of the legal representative;

5. The legal representative of the enterprise needs to sign the "Personal Information Use Authorization Letter", "Personal Credit Information Authorization Letter" and "Guarantee Guarantee Contract" ;

6. After submission, wait for WeBank’s review, and the account will arrive within 30 minutes at the fastest.