Xiao Wei Express e-loan is divided into two products: personal consumption express e-loan (with a maximum amount of 300,000 yuan) and small and micro enterprise express e-loan (with a maximum amount of 500,000 yuan). The borrower's age requirements, male 22-60 years old, female 22-55 years old can apply. Xiao Wei Express E-loan was approved by the whole system, and the loan was received in real time without a return visit.
Personal consumption express e-loan application conditions
1, and the mortgage repayment exceeds 1 year.
2, housing provident fund for more than one year (relatively high-quality civil servants or employees of state-owned enterprises, banks and public security laws, etc.). )
3. Weihai Bank's punch card salary 1 year or above.
Application conditions of fast e-loan for small and micro enterprises
1. Small and micro enterprises and individual industrial and commercial households operate normally 1 year or more.
2. you can apply for tax credit grades a, b and m.
3. There is no bad record in credit investigation, taxation and justice.
Credit request
1, no more than 4 credit inquiries in the last 2 months.
2. If there are loans in the name, the number of loans shall not exceed 4;
3. There is no clear requirement for liabilities, but the loan amount will be calculated according to the time and amount of mortgage repayment, the time and base of provident fund payment, and the tax payment in the past year. Too much debt will offset the loanable amount.
Repayment method
As you borrow, you can pay back the interest first and then the principal, which supports early repayment.