Bank of China consumer hospitality loan is a credit product of Bank of China consumer finance. If the customer applies, the time required for system audit is uncertain. For example, some people may give the audit results in two or three days, and some may still be under review after one week.
Generally speaking, the better the qualification, the faster the audit. If you find that you are still under review, wait patiently, that is, the audit results will come out, and you will generally inform your customers. The application for BOC's hospitality loan can basically be completed in about one week. However, if there is no audit result for a long time, customers can also check the customer service query to see if it is rejected.
If the customer is approved, BOC Consumer Finance will immediately lend money; If the customer fails to pass the audit, naturally, the loan will not be available. If he urgently needs funds, he can only apply for loans from other platforms and institutions. I suggest you find out the reasons for rejection, so as to solve the existing problems after self-examination and apply for a loan smoothly.
: Precautions for loan:
1, don't believe advertisements.
Remember, there is no free lunch in the world. Those loans with low threshold, no threshold and unconditional conditions are often hidden dangers, which may be routine. Be sure to choose a formal loan platform.
2. Check the qualification of the loan company
Because criminals generally solicit business in the name of "small self-inspection companies", they have no financial qualifications in essence. Therefore, before making a loan, the borrower must check the information of the relevant company to see if it is formal.
Don't sign a loan contract at will.
Before signing the contract, you should read it carefully, be consistent with what you said, write as much as you borrow, and write as much as you are interested in. A person who promises verbally but refuses to write it into a contract will never sign it.
Please sign the paper carefully with a pen.
When signing a contract, borrowers should be alert to the overlord clauses such as cash discount, high penalty interest and interest rolling, so as to avoid snowballing development of loans and falling into the trap of "routine loans". Read the content carefully, fill it clearly or cross it out in the blank, and don't give the other party a chance to forge or tamper with the self-inspection. Don't listen to the sweet words of the lender, don't sign, and don't write false materials.
6, but money exchanges, we must keep evidence.
Especially for cash transactions, remember to take photos, videos or operate in places with video surveillance, and you can also find more witnesses who are not interested in self-inspection. The repayment of principal or interest must be remitted to the account confirmed by both parties in writing, and the requirements for cash delivery have been checked by themselves.