Usually, after Bank of Communications successfully applies for Huimin loan, the bank will directly transfer the credit line to the special account of Huimin loan under the borrower's name. If the borrower wants to take out the funds and use them, he can only withdraw them, not directly transfer them. Users need to go to the ATM of Bank of Communications to withdraw cash. If the cash withdrawal amount is more than 50,000 yuan, they need to go to the counter of Bank of Communications to make an appointment for cash withdrawal.

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Huimin loan is a loan service on the mobile banking client of Bank of Communications. For the customers of Bank of Communications, this fund can provide them with emergency needs. At the same time, as a consumer loan under the bank, it is also cheaper than other consumer loans.

Details of Bank of Communications Huimin Loan are as follows:

1. Threshold: Bank of Communications Huimin Belt is only launched for paying customers of Bank of Communications, and most of them are paid by salary cards. If you are not a paying customer, you can't apply for the Huimin loan line.

2. Line, interest rate and loan term: The line of each customer is different, and the credit is granted mainly according to their credit status, asset status and income stability, and the maximum line of customers can reach 300,000; The interest rate and repayment period are also stipulated according to the above conditions. The lowest real interest rate can reach more than 3%, and the longest loan period can reach 36 months.

3. Repayment method: Bank of Communications Huimin loan adopts the repayment method of equal principal and interest, and repays a certain amount of principal and interest every month. With the reduction of the principal, the interest of the next month will also be reduced, and the repayment pressure of customers will be greatly reduced. In addition, the Bank of Communications Huimin loan also supports repayment with borrowing, so that customers can repay in advance and pay interest for as many days as they borrow. For example, if I borrow 100000 this month for 24 months and repay it in advance next month, I will only charge one month's interest.

In short, Bank of Communications Huimin Loan still has many advantages over many online loans. Bank of Communications' agent customers may wish to consider Huimin Loan first when they need funds.

Introduction of Bank of Communications Huimin Loan Products

Bank of Communications Huimin Loan is a personal credit loan for the working class of Bank of Communications, which does not need mortgage and guarantee. The loan amount can only be used for consumption, not for other purposes such as house purchase and wealth management. At the same time, the maximum loan amount of this product is 300,000 yuan, and the longest loan period is 36 months. You can borrow it and return it, and there is no handling fee for prepayment.

Conditions for Bank of Communications to apply for Huimin loan

1, wage earners have stable jobs and incomes.

2. This unit has been working continuously for more than six months.

3. Personal credit record is good

4. Hold a savings card of Bank of Communications, and the Bank of Communications will pay the salary.

5. Users with Bank of Communications mortgage loans.

Tips: Because it is a bank loan product, it is certain to inquire and submit credit information. On the application page of Huimin Loan, there is indeed a power of attorney for inquiring and providing personal credit information that I have read and agreed to, so it is difficult for users with poor credit information to apply.

Bank of Communications Huimin Loan Application Process

From the Bank of Communications APP, select Finance-Personal Loan, find Huimin Loan, click it and record it on the application page. Many users have received short messages and telephone invitations from Bank of Communications. As long as the credit information of such users meets the requirements, the probability of application is relatively high.

As a bank pure credit loan, the advantages of Bank of Communications Huimin loan are very obvious, with large amount and low interest. The requirements of bank loan products are relatively high, and users with poor credit information, high debts and unqualified applications will find it difficult to pass. But if you invite users, you will have the advantage of applying to a certain extent.

How can the loan money be transferred to benefit the people?

Bank of Communications Huimin loan cannot be transferred or paid online. If you need to transfer money, you must first take the money into the bank card and then transfer it through the bank card. This method can be used to transfer Huimin loans, but if the operation time is short and the withdrawal amount is equal to the transfer amount, once it is detected by CCB, Huimin loans may be frozen. Therefore, if you want to use Huimin loan to transfer money, users should operate at intervals to avoid being considered illegal by banks.

Huimin loan is a pure credit consumer loan product launched by Bank of Communications. The user does not need to provide mortgage, but after the successful application for Huimin loan, the funds will not directly enter the borrower's debit card account, and the borrower needs to take the initiative to withdraw cash.

How to withdraw the money from Huimin loan to the bank card?

Huimin loan can be divided into two situations, one is to withdraw money manually, and the other is to automatically lend money when consuming. When the borrower voluntarily withdraws cash, the user needs to log in to the mobile banking of Bank of Communications. After entering Huimin Loan, select "Withdraw Now" to successfully release the loan, and then select "Transfer Now" to transfer the funds to the bank card. In addition to withdrawing the funds from Huimin Loan to the bank card, it can also be directly used for credit card consumption and mobile banking to scan the code for cash withdrawal. It should be reminded that after the application for Huimin loan funds is successful, each withdrawal must be approved by the system.

Bank of Communications Huimin loan application threshold is low. As long as the user has a good credit report, a normal salary card of Bank of Communications for more than 6 months, applied for a mortgage house of Bank of Communications and paid the provident fund to the customer, the next payment will be better. Huimin loan is a pure online loan product. Huimin loan has a maximum loan amount of 300,000 yuan and a maximum loan period of 3 years. The minimum annualized interest rate of the loan is 5.76%, and the repayment method is fixed and equal. After the loan is approved, the loan will be issued within 24 hours. Of course, due to various reasons such as the banking system, it may take a long time to issue loans.

The above is an introduction to the relevant contents of Huimin loan to withdraw money from bank cards.

How to withdraw cash from Bank of Communications Huimin loan?

Bank of Communications Huimin loans can be withdrawn at the counter of Bank of Communications or at self-service ATMs (both in-bank and inter-bank).

Bank of Communications Huimin Loan, like ordinary bank cards, can be cashed out at the counter of Bank of Communications or at self-service ATMs (both within and across banks). At present, priority is given to the funds in the special account for Huimin Loan, and the insufficient part will be deducted from the current account in the bank card. Bank of Communications needs to make an appointment at the counter in advance if the withdrawal amount of Huimin loan exceeds 50,000. It should be noted that if it is overseas, Bank of Communications Huimin Loan can only be cashed out on machines with UnionPay logo, but not on machines with other logos. In addition, there is a certain handling fee for overseas cash withdrawal.

1. Bank of Communications (English BCM, Chinese Bank of Communications) was established in 1908. It is one of the six largest banks in China, one of the oldest banks in China and one of the modern note-issuing banks in China. 1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007.

Second, products and services

(1) Absorbing public deposits

(2) Short-term, medium-term and long-term loans.

(3) handle domestic and international settlement.

(4) Handling bill acceptance and discount.

(5) Issuing financial bonds

(6) Acting as an agent to issue, honor and underwrite government bonds

(7) buying and selling government bonds and financial bonds.

(8) engaging in interbank borrowing.

(9) Acting as an agent for buying and selling foreign exchange.

(10) engaging in bank card business.

(eleven) to provide letter of credit services and guarantees.

(12) Acting for receipt and payment and insurance agency business.

(thirteen) to provide safe deposit box service.

(14) Other businesses approved by the State Council Banking Regulatory Authority.

3. The personal business of Bank of Communications includes: savings deposits, personal loans, foreign exchange services, financial planning, investment services, insurance services, convenience services, wealth management, private banking and other services.

The company's business includes: bank wealth management projects, tax payment, cash management, asset custody (securities investment fund custody, national social security fund asset custody, insurance fund custody, brokerage collective/directional asset management plan custody, enterprise annuity custody, international custody, trust fund custody, private equity fund custody, etc. ), investment banking and financing business (accounts receivable transfer, guarantee business, loan commitment letter, credit certificate, discount or agreement of buyer's interest-bearing bills). Discount of commercial bills, lending business of foreign government loans, domestic and foreign currency fixed assets loans, export tax rebate account custody loans, corporate account overdraft, domestic and foreign currency liquidity loans, interbank credit asset buyout business and interbank credit asset repurchase business).

Small business users' business includes: loan application, one-stop business service, exhibition service, Zhuoye one-stop business service, investment and financing, tax financing, scientific loan service, hand-in-hand service and benefiting farmers service.

International business includes: inter-bank services, international business services, foreign exchange financial services and foreign exchange trading services.