Lightning loan is a credit loan of China Merchants Bank and does not need mortgage guarantee. Applying for a loan is simple and quick, with a maximum loan amount of 300,000, which is suitable for office workers' capital turnover. The lightning loan needs to be audited by the bank, and it will be rejected if the audit fails. Then, how long will it take for China Merchants Bank's lightning loan to be rejected before it can be applied again? Let's briefly introduce it today.

How long can China Merchants Bank's lightning loan be rejected before it can be applied again?

The requirements for lightning loans are still relatively low. As an unsecured credit loan, you don't need to provide information such as bank flow and proof of use to apply for a lightning loan. As long as the applicant is 23~60 years old, the age plus loan period is generally not more than 60 years old, can repay the loan on time, has no illegal behavior and has good credit, he can apply in mobile banking.

The system will conduct a preliminary review of applicants and then establish a credit line. Everyone with different qualifications will get different credit lines. After the credit line is successfully established, it will be valid for 1 year. During this period, the applicant can submit a loan application at any time, and the system will automatically review the applicant's comprehensive credit status, and it will be successful after the approval.

Lightning loans may be rejected when they are under construction or removed. If the construction amount is rejected, the system will not give the loan amount, and the loan cannot be made without the amount. Applicants need 3 months to apply again and try again. If the construction amount is successful, the withdrawal may be rejected, so it is not allowed to lend by line. Applicants must wait at least 1 month before applying.

As for the re-application, both the construction amount and the withdrawal amount need to be re-examined by the system, and there is no guarantee of success. If the applicant has a deposit in China Merchants Bank, buys wealth management products for a long time, has repayment ability and good personal credit information, the pass rate will be higher.

The above is the introduction of "How long can I apply for a lightning loan from China Merchants Bank after being rejected". I hope it will help everyone.