Basic conditions for lightning loan application:
1, holding a card of China Merchants Bank (you can log in to China Merchants Bank's mobile banking and click My → All → Borrow money to try to apply or see if you are qualified to apply. )
2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;
3, have the ability to repay the loan on time, no illegal behavior, good credit;
4. Whether the credit line can be obtained and whether the loan can be successful is subject to the system evaluation results, and manual intervention is impossible. You can check the specific amount of the lightning loan if the application is successful.
Precautions:
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.
3. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and send a short message to inform you.
(2)T+ 1 day loan. There will be telephone verification within T+ 1 day, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips:
When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.
(Response time: June 5438+1October 17, 2022. Please refer to the latest business changes announced by China Merchants Bank in official website. )
Tips: If you have any questions in the follow-up, please feel free to contact China Merchants Bank APP@ your intimate customer service ~