Flash loan is a consumer credit loan launched by China Merchants Bank. It does not need mortgage guarantee, and the application threshold is lower than that of conventional bank loans. Many people want to apply for a lightning loan, but the application conditions are not very clear, so they want to know whether the lightning loan is good or not. Let's find out.
will China merchants bank apply for a lightning loan?
No.
1. Application conditions for lightning loan of China Merchants Bank
As a bank loan, lightning loan currently adopts the white list invitation system, and not everyone can qualify for the application. Under normal circumstances, customers who often handle deposits and wealth management business in China Merchants Bank have good personal credit records and are more likely to become invited customers for lightning loans.
as long as you receive the short message of flash loan invitation from the bank, you can log in to the mobile banking and click "All my loans for flash loan" to see if you are eligible to apply for flash loan. If there is a credit line, you can operate the loan according to the page prompts, but whether the application can be successful depends on the final approval result of the system.
2. What's wrong with China Merchants Bank's lightning loan without approval?
It is understood that lightning loan can be successfully applied without a quota, and everyone's application qualification will constantly change in the comprehensive evaluation of China Merchants Bank. If the quota is not approved, this situation is obviously that the application has failed. There is only one main reason, that is, the current qualification can not meet the loan standard of lightning loan.
Applicants can improve their comprehensive quality by moving bricks and saving money at China Merchants Bank, buying wealth management products, spending more on credit cards, and repaying loans on time. Only after systematic evaluation, it is determined that the applicant meets the standard of flash loan, can the loan be extended to the applicant.
To sum up, whether China Merchants Bank applies for lightning loan is mainly related to the applicant's personal credit status. Related questions and answers: What conditions does China Merchants Bank need to pass the lightning loan? Hello, China Merchants Bank lightning loan needs to meet the following conditions to pass: the borrower is a customer of China Merchants Bank Card. The borrower's loan and credit card at China Merchants Bank are not overdue. The borrower is over 18 years old. The borrower's credit standing is good. If you need to apply for a small cash loan, China Merchants Bank has launched a lightning loan business. At present, you can apply through mobile banking or check whether you meet the requirements. The application mode of lightning loan mainly includes the following aspects: If you receive a short message from China Merchants Bank, congratulations. You are an invited user of lightning loan. Then if you are not an invited customer, you can't handle it. After receiving the text message, click enter to get the quota. Just because mobile banking has a flash loan line doesn't mean you can really apply. This is really difficult. It is best to have a mortgage, a car, a stable job and good personal credit. : 1. After the lightning loan is completed, the cash will be released in 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. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Borrow Money → Lightning Loan" to apply for lightning loan. Your specific quota will be verified according to your business situation in China Merchants Bank. You can view it after the application is successful. Lightning loan has different loan types and different credit line regulations. Generally, the maximum credit line does not exceed 3,, which is subject to the lending page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1. 2. There are two ways to apply for a loan within the lightning loan limit: the loan will be granted automatically within 5-1 minutes after 15 minutes, and the loan will be released immediately after approval, and the result will be notified by SMS. Payment within T+1 day: within t+1 day, payment will be arranged after the information is confirmed by phone. If you still don't answer after 3 effective contacts, the application fails and you need to apply again. Tips: If there is no automatic loan within 5-1 minutes, it is normal to wait for telephone audit. You cannot directly query the approval progress. Subject to the examination and approval results. When establishing the lightning loan line, there will be a credit inquiry record. If you only successfully set the quota but did not quit: there will be no quota record in the credit investigation; After each withdrawal, there will be a loan record in the credit information. 3. What if China Merchants Bank fails to apply for lightning loan? Repair the credit information. Applying for a flash loan requires a good credit investigation. If you have a credit stain, you must solve it all before applying. In addition, don't have too many loans and credit cards in your name, which will lead to high debt ratio. Improve your financial resources. If you have extra funds, you can try to deposit some funds in China Merchants Bank to buy investment, wealth management and insurance products, which will help improve the activity of your account. Irregular inspection. Because the lightning loan is automatically audited by the system, sometimes it will fail, and sometimes it can, so download an app of China Merchants Bank and check it out from time to time.