Conditions for loan application of Guangfa Bank

1. Applicants must be between 25 and 55 years old.

2. The applicant must have a record of paying social security or provident fund or individual tax for more than three months.

3. The borrower has a fixed job and a stable economic income.

4. The applicant agrees to other regulations of Guangfa Bank.

Extended data:

Materials and certificates required for application

1. Domestic residents only need to provide and fill in a complete and signed application form, identity certificate, residence certificate and income certificate.

2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan employment permit.

3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided.

4. If you want to apply for a large credit card, you need to provide a good proof of economic strength, such as a copy of the real estate license, a copy of the car driving license, a bank loan account (with good credit, overdue for no more than 60 days) or a copy of the deposit certificate.

Does Guangfa Bank have a credit card loan?

Guangfa Bank has a credit card loan, which requires a stable source of repayment, good credit information or collateral with clear property rights, such as real estate and vehicles.

Conditions required for the loan of Guangfa Bank:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, and have permanent residence for urban residents or legal and valid identity certificates, the age of the lender required for bank loans is generally between 18-60.

(2) have a stable legal income and the ability to repay interest;

(3) Good credit information;

(4) Other conditions required by the lending bank.

Can Guangfa Credit Card get a loan?

Question 1: Can the credit card of Guangfa Bank be loaned? The credit card of Guangfa Bank can be loaned, just apply for its financial fund.

Wechat pays attention to "Guangfa Credit Card" and binds credit cards;

Click on my service, and cash will enter in installments;

Reply to 3 gold applications for financial smart cash installment;

Click to apply for financial fund to see what financial fund is;

Enter the withdrawal password to enter the next step;

At this point, you can see the amount you can apply for;

Then applying for benefits is to repay as required every month.

Question 2: Can I get a loan with Guangfa Credit Card? Nowadays, it has become a popular way to buy a car by installment with a credit card. The most obvious advantage of Guangfa Bank's credit card loan to buy a car lies in its low cost, and the credit limit that cardholders can apply for is 200,000-200,000. There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and Guangfa Bank only charges a handling fee. The handling fee rate of different installments is different, and the credit card loan of Guangfa Bank has great advantages in buying a car. The process of buying a car by credit card of Guangfa Bank: 1. Apply. First look at the car you want to buy. Fill in the "Application Form for Automobile Consumption Loan" and the "Questionnaire on Credit Status" and submit them to the loan bank together with the relevant certificates of personal situation. 2. Investigation and approval. The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms. 3. Sign various contracts. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures. 4. Issue loans. The bank issues loans (the bank transfers money directly to the car dealer's account). 5. Pick up the car. The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up note issued by the bank. According to the regulations of the bank, the lender should deposit the principal and interest repaid in installments into the settlement account in advance, otherwise the bank will charge a certain late fee. If funds permit, car buyers can consider repaying the loan in advance.

Seeking adoption is a satisfactory answer.

Question 3: Guangfa Credit Card Loan There are several types of credit card loan products of Guangfa Bank, namely "wealth management fund", which is an overdraft transfer installment repayment service provided by Guangfa Bank within the comprehensive credit line of customers' credit card accounts according to the needs of customers' personalized repayment methods. Credit card loans can meet the cash needs of some cardholders. Credit card loans are based on credit card business, which is simpler and faster to handle and can be regarded as a substitute for consumer loans.

Question 4: How Guangfa Credit Card obtains credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment. Period is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into three, six, 12 or 24 installments.

Question 5: How to borrow with Guangfa Credit Card? Credit card can assist in approving loans, but it is not a necessary condition for loans.

If the borrower's credit information is good, it will be beneficial to the loan approval.

Poor credit information will increase the difficulty of loans or be rejected.

Question 6: Can Guangfa Credit Card get a loan? A credit card means that the bank gives you a certain amount of credit, and you can use it first and then pay it back. For example, if your credit card limit is 5000 yuan, you can use up 5000 yuan at most, and then repay it in full according to the last repayment date on the bill or the minimum repayment amount.

I wonder if you have used your credit card? If you want to spend 100 yuan, just swipe your card directly.

Question 7: How much credit card loans of Guangfa Bank can be used as financial management funds, and the specific amount can be determined according to the amount of your card. You can apply in half an hour.

Question 8: How to get a loan from Guangfa Credit Card? The credit card limit of Guangfa Bank is 45,000, and the loan can be around 90,000. The loan amount must be audited by the bank, which is generally twice the fixed amount.

The credit card loan processing flow of Guangfa Bank is as follows:

Borrowers with loan conditions can apply for a credit loan from Guangfa Bank, and submit the original ID cards (unmarried certificate) of themselves and their spouses, as well as relevant certification materials such as their household registration, work and loan purpose.

GDB accepts the application and approves the borrower's relevant conditions. If approved, it will go through the corresponding procedures for issuing credit loans and sign a loan contract. Finally, GDB issues loans to the account designated by the borrower.

Question 9: Can Guangfa Credit Card get a loan? What are the requirements? It is also possible that Guangfa Bank needs a loan.

Question 10: If there is a Guangfa credit card, what are the conditions for applying for a credit loan?

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

How to borrow a credit card loan from Guangfa Bank? 8 channels for you to choose from!

Now, the function of credit card is no longer limited to credit card consumption, and everyone can apply for loans, shop in installments and so on through credit card. Many people who have Guangfa credit cards are asking how to borrow them. Today, I will introduce the relevant content here.

You can apply for "wealth management fund" through the "cash installment" function of Guangfa Credit Card. Caizhijin can provide you with a credit loan of 1 10-300,000 yuan with a service life of 3-36 months, which can be handled through multiple channels.

There are eight channels for handling the financial gold loan of Guangfa Credit Card: Discover Wonderful APP, official account of Guangfa Credit Card WeChat, self-service equipment CRS/ATM/VTM, mobile banking, online banking, QR code, SMS and 95508 customer service hotline.

Here, I will tell you how to borrow a loan from Guangfa Credit Card by discovering Wonderful APP and Guangfa Mobile Banking.

Discover wonderful applications

Path 1 of applying for Guangfa Credit Card Loan: Log in to find a wonderful app, and click "installment → I want cash" to enter the loan application page.

Path 2 of applying for Guangfa Credit Card Loan: Find the "My" button in the wonderful app, and then follow the order of "installment loan" → "I want cash".

Guangfa mobile banking

1. Open your own Guangfa mobile banking APP on your mobile phone and enter the "Credit Card" page;

2. Through "I want to go on stage", find the application entrance of "ordinary financial gold/exclusive financial gold".

The above is what I introduced to you about how to get a credit card loan from Guangfa. I hope you got something.

How to get a credit card loan from Guangfa Bank?

Yes, CGB credit card holders can apply for financial services in the application or call CGB Credit Card Center.

The use of Guangfa Credit Card must meet the following conditions:

1. Applicants have an age limit and must be between 18 and 65 years old.

2. You must have a local household registration certificate. If you are a migrant population, you need to provide a valid residence certificate as a supplement.

Have a stable income, which can be used to ensure your repayment ability.

You must have a good credit card usage record.

As long as the borrower meets the above loan conditions, he can apply for a credit loan from Guangfa Bank and submit the above relevant certification materials. 、

After the bank has passed the examination, it shall go through the corresponding procedures for issuing credit loans and sign a loan contract. Finally, GDB issues the loan to the borrower's designated account.

Extended data:

The simple and popular understanding of loan is to borrow money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Credit Card (English: credit card) is a non-cash payment method and a simple credit service.

Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 0.76 mm (the size is defined by ISO 78 10 and 78 16 series documents), which are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and make repayment on the due date of bills.

Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.

history

The earliest credit payment appeared in the capitalist town of Britain at the end of 19. In the 1980s, the British clothing industry developed a so-called credit system, which used credit cards to take popular goods home as soon as possible when shopping. The tourism and business sectors also follow this trend and seize business opportunities.

But at that time, the card could only be used for short-term commercial credit in specific places, and the money still had to be paid on demand. Long-term non-default, no credit line. It is entirely based on the capital credit of the rich. In 1950s, the first credit card for the public appeared. Frank McNamara, a credit expert in Manhattan, USA, ate in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money.

This made him feel embarrassed, so he organized Diners Club (English: Diners Club). After anyone is allowed to become a member, he can take a food and beverage recharge card to the designated 27 restaurants for consumption without paying cash. This is the earliest credit card.

Since then, more and more partners have signed contracts, and the scope of services that can be temporarily overdrawn is also growing. People have become accustomed to this convenient transaction form without carrying cash, which has promoted the arrival of bank credit cards. Franklin National Bank in the United States was the first bank to issue credit cards, and other American banks followed suit.

apply for

In most cases, citizens with full capacity for civil conduct (citizens aged 18 in China), college students with certain direct financial resources or without direct financial resources (undergraduates only, and some banks are limited to "2 1 1 project" in national key universities) can apply for credit cards from the issuing bank.

But now in China, the CBRC has strictly controlled students to apply for credit cards to prevent students with no stable income from abusing credit cards, overdrawing their credit prematurely and becoming card slaves. Almost all banks stop issuing student credit cards or require student guardians to sign third-party repayment agreements.

Sometimes, legal persons can also act as applicants. The application method is generally to fill in the credit card application form and submit certain copies of documents and certificates to the issuing bank. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Approval and release

Under normal circumstances, the bank will judge whether to issue a credit card to the applicant according to the application materials, examining the applicant's various information and economic situation, as well as the standards of the bank's internal credit review policy. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.