"Really convenient. Two days ago, I sent my ID card and applied for it myself on the WeChat small program 'Hubei Agricultural Credit'. Face recognition through, automatically gave me 85,000 credit limit. Yesterday the house renovation lack of money, in the mobile banking operation. All withdrawals were successful within a minute." A few days ago, Dr. Cai of the People's Hospital of Yingshan County, Hubei Province, said to Chen Ye, the account manager of Yingshan Farmers and Merchants Bank, who came to make a return visit.

This move marks the official landing of "Provident Fund E Loan", another online personal pure credit product of Yingshan Farmers and Merchants Bank after "Tax E Loan". The online loan business realizes the second borrowing, so that customers do not leave home, a touch that is "loan".

In recent years, more and more customers are turning to online channels for their financial needs. In this regard, the bank strengthens the technological empowerment, strengthens the network of small loan product innovation, the use of the Internet and big data to launch the network of small loans free of collateral, free of guarantee products "provident fund e loan". It is reported that public officials and high-quality enterprise employees can apply for the micro-credit products, simple process, preferential interest rates.

At the same time, the bank is also actively promoting the "301" loan model of "3 minutes to apply for a loan, zero collateral, zero guarantee, zero manual intervention, a key to withdraw money", practicing financial services "shopkeeper" responsibility. "The company's website has been updated with the latest information on the company's website, including its website.

As of May 11, the bank has granted 11.335 million yuan of credit to the "provident fund e loan" and has issued 2.245 million yuan. In the future, the bank will rely on the re-launched "EPF E Loan" brand, all-round docking jurisdiction of the target group, increase micro-credit, enhance customer financial satisfaction and convenience.

Unit: Hubei Yingshan Rural Commercial Bank

Related Q&A: I have a housing fund balance of 200,000 can I borrow money in the provident fund platform? Housing Provident Fund is not allowed to borrow money. You can only if you buy a commercial property. Or rent a house or. Remodeling home remodeling can be, only take out the corresponding part of the money, but each place. Requirements are also different, so the amount of money taken out of the provident fund is also different. Related Q&A: more online loans, no overdue, buy a house can CPF loans?

First of all, you have to judge whether the online loan you run is creditworthy or not. The general amount of larger online loans, consumer finance companies, bank-owned online loans will be on the credit, the amount of smaller online loans, such as some one or two thousand cash loans basically is not on the credit.

But note that although many online loans are not creditworthy, bad records will remain in the online loan big data. Online loan big data is a kind of third-party credit inquiry system for lending institutions, which utilizes the technical means of big data to integrate the loan records of all kinds of online lending platforms, which contains information such as the history of online lending, details of overdue online lending, indebtedness, information on breach of trust, and online lending blacklists.

Of course, what kind of online credit is not on the credit can not be generalized, there are 500 yuan of online credit and credit, to determine whether the online credit, the best way is to go directly to the People's Bank of China to play a credit report, on the credit at a glance. If you borrowed online loans are not on the credit, it will have little effect on the purchase of a home for mortgage loans, and vice versa.

The second thing to look at is the amount of the online loan. If the amount of online loans on credit is relatively large, then one's liabilities will be larger, this situation the bank will generally require you to settle this online loan, and wait for a month or so credit update and then come back to apply for a mortgage. If the amount of online loans is relatively small, the number is not much, the impact of this situation is not particularly large, as long as the credit report is not late and other serious problems, generally smooth approval of the home loan through.

My friend had a CPF loan when he bought a house, and was told by the bank account manager that because there was an online business loan in his name that had not been paid off, the mortgage was delayed, and then my friend settled the loan, and the mortgage was quickly approved. So I remind all of you are about to apply for a home loan friends, if you recently intend to loan to buy a house, try not to apply for a network loan.