Hello, I hope my following reply can answer for you.
China Construction Bank provides barrier-free financial services for the disabled, including barrier-free service channels for the disabled, to meet the personalized financial service needs of disabled customers.
Disabled people need to provide the following procedures when using mobile phone loans:
1. The original and photocopy of valid disability certificate shall be stamped with the official seal of valid relevant association or hospital.
2. The original and photocopy of my valid identity certificate such as ID card and passport.
3. The bank needs to assess the borrower's loan repayment ability, and may require proof of work unit and income.
Please note that the above information is for reference only. In practice, you need to provide corresponding certificates and materials according to relevant regulations and policies. If you need more accurate information or answers, I suggest you consult the customer service staff of China Construction Bank or related banks.
What information do I need to apply for a mobile phone loan? These four points are enough.
With the development of modern science and technology, more and more things can be done with only one mobile phone. Difficult things, including borrowing money, are becoming more and more convenient, which not only saves money quickly, but also saves a lot of troublesome processes. So, what information do you need to apply for a mobile phone loan? It's actually quite simple.
1. Mobile phone number and address book
No matter which loan software you apply for, your mobile phone number is the first one. Telephone audit also needs this. In addition, it should be noted that the mobile phone number must be authenticated in real name, and the longer it is used, the better it is for applying for a loan. When authorized to read the address book information, you should deal with the contacts of keywords such as "loan" and whether there are other small loan messages or repayment reminders in the short messages.
2. ID card and video authentication
The photo of the ID card should be clearly taken, and the key information should not be blurred or invisible, and the audit failed. Please take off your glasses and choose good light and angle when shooting video certification.
3. Credit card and bill mailbox
Some platforms need to verify credit cards. At this time, we should try our best to keep the integrity of the credit card bill and ensure that there is at least a complete bill of a card in the mailbox for the past six months. If there are multiple credit cards, you can import the credit card with the most bill data and no overdue first. It's best to deal with all kinds of emails sent by other online loans and emails sent by network gambling sites.
4. Sesame credit score
Select many loan platforms to directly evaluate the loan amount through sesame credit score. Even if there are some overdue records on the credit report, you can get a loan if your sesame credit score is good. Therefore, usually pay more attention to sesame seeds and cherish credit records.
Mobile phone loan process and required information
There are more and more products about mobile phone loans in the market, and many people want to know the specific content of mobile phone loans. Below, let's introduce how the hot mobile phone loan is borrowed.
Borrowing process:
1. Download the mobile phone loan APP to register the mobile phone number and verify the Chinese name and ID number.
2. The materials are submitted completely and the corresponding loan amount is given.
3. Submit the loan application for approval.
4. After the approval, we will call you to confirm the relevant information.
5. Lend money immediately after confirmation is successful.
Materials required:
Compared with traditional banks, there are fewer materials to be submitted. You only need to spend 3 minutes perfecting the following information on your mobile phone: your identity information (scan your ID card to ensure that your facial features are clear and clear, and the ID card information is clear and recognizable), work information, contact information and sesame verification (if not, you can skip the verification). These necessary information are confirmed to be correct, and you can start the loan. You can also improve more other materials to improve your audit pass rate and speed up the audit efficiency.
What do I need to apply for a mobile banking loan?
If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Borrow Money" to try to apply or see if you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).
Basic conditions for lightning loan application:
1, holding the card of China Merchants Bank;
2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;
3, have the ability to repay the loan on time, no illegal behavior, good credit.
Tips:
1. After the lightning loan is issued, the cash will be distributed to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.
3. There are two ways to apply for a loan within the lightning loan limit:
(1)15min lending: the lending will be automatically approved within 5min, and the lending will be released immediately after approval, and a short message will be sent.
(2) Lending on t 1 day: conduct telephone verification within t1day, and arrange lending after confirming the information. If you still don't reply after three active contacts, the application fails and you need to apply again.
4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount, but did not withdraw money: there will be no record of the amount in the credit investigation; Every subsequent withdrawal, there will be a new loan record in the credit information.