If you have a card of China Merchants Bank and your mobile phone number is bound, you can log in to mobile banking, click All-My Loan-Borrow Now, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply.
(Reply time: 2065438+February 24th, 2009. Please refer to China Merchants Bank (official website) for the latest business changes.
I am a student and I want to borrow some money. Where is a good place to borrow money?
How do students borrow money
Ways of student loans:
Mode 1: Student loan
Student loans, state loans and commercial loans are all aimed at students. The application conditions for student-origin student loans are very simple. As long as the borrower's family is poor, there is a poverty certificate issued by the local neighborhood Committee or village Committee, a college admission notice or a certificate of study, you can apply. Starting from this year, students who apply for student-origin student loans or national student loans can get a maximum of 8,000 yuan.
If borrowing students need to apply for commercial student loans, they usually need to provide real estate or cars as collateral. This situation is more suitable for adults who enter colleges and universities for the second time, but not for poor students who enter colleges and universities for the first time.
Mode 2: Risk loan
Venture loans are mostly suitable for fresh graduates, mainly to encourage fresh graduates to start businesses.
To apply for business start-up loans, different regions have different requirements, but most applications need to meet the basic conditions, including: 1, business start-up projects and business licenses; 2. It is very important for the borrower to have certain project start-up funds; 3. The borrower has good conduct and good credit, and is eligible to apply for a loan. Those who meet the above basic conditions and the provisions of relevant local departments may apply for venture loans.
Mode 3: Consumer Finance Company
For example, if you borrow money to buy a mobile phone or computer, you can apply for a loan directly through a local consumer finance company or loan company. When applying to a consumer finance company, the borrower needs to provide identification and student ID card, and repay the loan immediately after applying for the loan. Otherwise, there will be higher penalty interest and other effects. In severe cases, it may affect the inability to complete studies in the future.
Third, how to get a loan on the mobile phone
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 → Loan" to try to apply or inquire whether 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, with China Merchants Bank card;
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 released, the cash will be released 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: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.
(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, 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 and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.