Does a bank loan require depositing money into the card first?

A bank loan does not require depositing money into the card first.

Regular loan platforms do not require you to deposit money in your card. Even if you have no money in your card, you can get a loan as long as you meet the basic conditions for a loan, have no bad credit record, and have stable solvency.

To apply for a bank loan, you need to prepare documents: valid identity document; proof of permanent residence or valid residence, and proof of fixed residence; proof of marital status; bank statement; proof of income or personal asset status; credit report; Loan usage plan or statement; other information required by the bank. Required conditions for bank loans: 18 years of age or older with full civil capacity, permanent urban resident registration or legal and valid resident identity certificate. Bank loans require borrowers to be generally between 18 and 60 years old; have stable legal income, Have the ability to repay interest.

If you need to save money for a loan, most of them are loan schemes. The name is to save money for capital verification, but the actual purpose is to defraud money.

Be sure to treat this situation with caution. In order to protect personal privacy and financial security, do not trust any loans that collect money in various names before taking out a loan, so as not to be defrauded of money and information, which will bring you problems. loss.

A common trick is to ask the borrower to deposit money into the bank card first, and then provide the bank card information, mobile phone verification code and other information, and secretly transfer the money from the bank card or transfer it through consumption. Before the loan was successful, I lost a lot of money.

In addition to depositing money first and making a payment, there are many forms of routine loans. It is recommended that borrowers borrow rationally, choose loans from institutions with loan qualifications, and make a good assessment of their comprehensive credit conditions before taking out loans. Do not easily believe in false advertisements about so-called unconditional loans on the Internet to avoid stepping into the trap.

Once you find that you have been deceived by a scam loan, you should promptly report the case to the police for help and safeguard your legal rights. However, you must be mentally prepared. The money you have been defrauded may not be recovered, and even if it is recovered, it may take a long time.

But despite this, at least reporting the crime can provide clues for the police to smash the scammer group, so that more people can avoid being deceived. Flash e-loan requires depositing money into the card

No. According to relevant query information, there is no need to deposit money into the card before disbursing the loan. Users only need to ensure that the status of the receiving bank card is normal. e-Loan Online - e-Loan Online is a new loan online application channel developed by Bank of Communications. This system is a new electronic service channel established by Bank of Communications for small and micro enterprises and individuals. Do I need to put money on the card when I take out a loan?

If it is a loan, there is no need to have money on the card before taking the loan. However, after the loan application is successful, you need to have money. When repaying the loan, the fee will be directly deducted from the bank card, so the bank card needs to have enough funds for repayment.

Loan application conditions:

First, you must be over 25 years old, have full capacity for civil conduct, and have a permanent residence or valid residence certificate in China.

Second, having a fixed occupation or stable economic income can guarantee the ability to repay principal and interest on time.

Third, have a good credit record and no bad credit record.

Fourth, it must be able to provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally, if you meet the above conditions, you can apply for a loan from a commercial bank.

Legal basis:

"Commercial Bank Law" Article 2 The commercial bank referred to in this law refers to a commercial bank established in accordance with this law and the "Company Law of the People's Republic of China" Corporate legal persons that accept public deposits, grant loans, handle settlements and other businesses.