; ? Guangfa e-second loan is a personal pure credit loan launched by Guangfa Bank, which bears interest on a daily basis and can be repaid with the loan for up to 3 years. Under the condition of not providing any paper materials, it is very convenient to apply the whole line. However, many friends who have applied have asked how to refund Guangfa E-second loan. Let me give you a brief introduction.
Guangfa e-second loan, how to withdraw it?
Guangfa e-second loan will not be directly loaned to the bank card, but will be transferred to the personal electronic account of Guangfa Bank after the application is successful, so this step needs to be cancelled.
The specific withdrawal steps of 1. Guangfa e-second loan are as follows:
Step 1: official website scan code or application store downloads and opens Guangfa Bank app (mobile banking);
Step 2, register and log in, and choose my-loan -e-second loan;
Step 3: After entering the page, follow the prompts to withdraw money.
2. Guangfa e-second loan can be cashed out to Guangfa Bank debit card or other bank cards, depending on whether you are a customer of Guangfa Debit Card, you can choose different application and cash withdrawal channels accordingly.
3. It should be noted that after the second loan of Guangfa E, the loan funds cannot be used for purchasing equity investments such as real estate, stocks, futures and wealth management products or other purposes prohibited by laws and regulations, and can only be used for personal daily consumption.
4. There are two repayment methods of Guangfa E-second loan: equal principal and interest, interest first and principal later, for your flexible choice. Among them, interest before interest is only applicable to loans within 65,438+0 years.
The above is related to "How to withdraw money from Guangfa E-second loan". It is suggested that you borrow reasonably as needed, repay on time, maintain good personal credit and avoid the adverse effects caused by overdue.
After Guangfa E-second loan is released, the money cannot be transferred.
After the successful application for e-second loan by Guangfa Bank, the funds will be directly transferred to the personal electronic account of Guangfa Bank, which needs to be withdrawn before consumption. Guangdong Development Bank's e-second loan mainly draws money through Guangdong Development Bank's mobile banking.
First of all, after logging into the mobile banking of Guangfa Bank, users need to directly search for "I want to borrow" on the homepage, or select "My-All-Loan-I want to borrow" in turn to enter the e-second loan processing page, and the funds can be directly withdrawn.
"Guangfa e-second loan" is a life reserve fund provided by Guangfa Bank to high-quality customers for daily consumption such as car purchase, decoration, wedding and medical treatment. It has the characteristics of no need to provide any paper application materials, quick loan approval, flexible use of funds, repayment as you borrow, and daily interest calculation.
Product attributes of Guangdong Development Bank's e-second loan;
Amount: up to 200,000 yuan.
Applicant's age: 25-55 years old.
Duration: up to 3 years.
Time limit: second-level approval, and the results will be issued in a few minutes.
Repayment method: 1 year, with interest paid first and principal paid later, which can be repaid with the loan. The 3-year line is recycled, and no interest is paid without withdrawal.
Interest: annualized interest rate from 4.8%
Purpose of the loan: The loan can be used for personal legitimate and reasonable consumption expenses such as home improvement, car purchase, education and medical care, but not for undeclared purposes and personal expenses prohibited by laws and regulations.
Reasons for the rejection of e-second loan of Guangfa Bank
1, not old enough.
Guangfa e-second loan requires strict applicants' age, and only China citizens aged 25-55 can submit applications. If the user is outside this range and obviously does not meet the loan conditions, the bank will not agree to issue loans.
2. There is insufficient time to pay the provident fund, social security and individual tax.
Guangfa e-second loan requires users to continuously deposit provident fund, social security and individual tax in the local area for at least 3 months. Therefore, if the user pays less than the specified time and does not meet the requirements of the bank, the loan application request will also be rejected.
Therefore, users are advised to check the payment time before submitting the application to avoid the loan application being rejected. After all, visa refusal will also leave a record on the credit report, and frequent visa refusal will also lead to changes in credit information.
3. No stable job
In order to ensure the timely recovery of funds, Guangfa Bank will require borrowers to have certain repayment ability, in which users must have stable jobs and incomes, otherwise there will be great loan risks, and banks may take measures to refuse loans in order to avoid loan risks.
4. Personal credit is bad
As a credit loan product, e-second loan naturally needs users' personal credit, such as pure white households, overdue records within half a year, too many hard inquiries, etc., which will affect the application results of Guangfa e-second loan. At this time, it is normal that there are places that have not passed.
5. The purpose of the loan does not match.
The use of e-second loans is limited. According to the regulations of Guangfa Bank, the funds shall not be used for purchasing equity investments such as real estate, stocks, futures and wealth management products or for purposes prohibited by law. If the user's use does not meet the requirements, then naturally it will not pass the loan review.
How long does it take for Guangfa E-second loan to withdraw cash?
24 hours later. Guangfa e-second loan will not directly lend to the bank card, but will transfer the funds to the personal electronic account of Guangfa Bank after the application is successful, so it needs to be withdrawn, and the withdrawal amount will be received within 24 hours. Guangfa e-second loan is an online loan product that can complete loans through the Internet.
Can Guangfa Bank withdraw its e-second loan?
Download the mobile banking APP of Guangfa Bank, and you can take the money into the bank card after registering and logging in. Guangfa e-second loan is directly credited to the personal electronic account of Guangfa Bank, not directly credited to the bank card, so there is a demand for cash withdrawal.
China guangfa bank was established in September 1988 with a registered capital of RMB114.08 million, and its headquarters is located at No.713, Dongfeng east road, Yuexiu district, Guangzhou, China. With the approval of the People's Bank of the State Council and China, Guangdong Development Bank, as a pilot bank for financial system reform in China, was established on the beautiful Pearl River and is one of the earliest joint-stock commercial banks in China.
On April 8, 20 1 1, with the approval of the regulatory authorities and relevant government departments, the original registered name of Guangdong Development Bank Co., Ltd. was changed to "Guangfa Bank Co., Ltd.". The English name was changed to "China Guangfa Bank" (hereinafter referred to as "Guangfa Bank").
By the end of June 2020, the total assets of Guangfa Bank were 28 1 trillion yuan, an increase of 6.84% compared with the beginning of 2020; The total liabilities were 2.59 trillion yuan, an increase of 7.02% compared with the beginning of 2020. In the first half of 2020, Guangfa Bank achieved an operating income of 40.907 billion yuan and a net profit of 6.486 billion yuan.
On March 9th, 2020, "20 109 China Banking 100 Top List" was released, and Guangfa Bank ranked 16.
The business scope of Guangfa Bank is all banking business stipulated in the Commercial Banking Law:
It mainly includes: absorbing public deposits and issuing short, medium and long-term loans; Handle settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Settlement and sale of foreign exchange; Inter-bank foreign exchange lending; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Issuing foreign exchange credit cards; Buying and selling stocks and foreign currency securities.
Other businesses approved by the People's Bank of China and China Banking Regulatory Authority.
In 2006, Guangfa Bank successfully completed the reform and reorganization, and introduced world-class foreign-funded enterprises such as Citigroup and IBM Credit, as well as powerful domestic well-known enterprises such as China Life Insurance, State Grid and CITIC Trust. At the same time, we introduce advanced management concepts and service mechanisms, constantly surpass them, serve you wholeheartedly, and add value every day.