Lenders can open mobile banking, and then find the tips of the selfie system for repayment. Of course, when repaying in advance, the lender needs to submit an application first.
The mortgage can be repaid in full or only in part in advance. Lenders can repay in their own way. Whether there is a penalty or not depends on the situation.
Mobile banking business function
(1) account management
Query, daily details query, historical details query, registration card maintenance, account loss reporting, default account setting and other account management functions.
(2) Transfer and remittance
Mobile phone remittance refers to the customer entering the payee's bank or mobile phone number and opening a local account in the opened mobile phone bank.
(3) Payment business
Through this function, customers can pay the daily project expenses and support customers to submit an appointment payment instruction (which needs to be confirmed by the branch business) to manage their business during non-working hours. After successful payment, you can deposit items in My Payment Items to pay, query, add or delete personal payment items.
(4) Mobile phone stock market
Customers can enter the stock code in the stock information of Shenzhen Stock Exchange and Shenzhen Stock Exchange to customize or delete the stocks they care about. The "tube" function is used for banks to inquire about securities transactions, and the AP website page is used for securities transactions.
(5) Fund business
Based on the customer's fund code and self-selected fund, you can query the interest (including fund code, name, type, net value, historical net value, etc. ), we can easily conduct fund subscription, purchase, fixed investment, redemption, cancellation, balance and historical details inquiry and other operations on key funds.
Provide customers with the functions of inquiring the real-time price of RMB paper gold (including bank buying price and bank selling price), conducting paper gold entrusted transactions (including profit entrustment, stop loss entrustment and two-way entrustment) and inquiring the accumulated balance and account information of brand gold according to the real-time price of RMB paper gold.
(7) Credit card business
Provide customers with the function of inquiring about credit card (including credit card, debit card and international card) people's credit card return account overdraft RMB and foreign currency, and support credit at the same time.
(8) Customer service
Provide customers with functions such as modification/cancellation, main menu customization, self-service payment, authority management, login/payment password modification, WAP cancellation, statement setting, etc.
Mobile banking can truly provide customers with "3A (Anytime, Anywhere, Anyhow)" service beyond time and space, as well as more personalized and safer services. It is believed that with the development of mobile communication technology, the intelligentization of mobile terminal equipment and the expansion of high-speed Internet users, this change will bring great development opportunities for the long-dormant mobile banking.
2. Do personal online loans need to be repaid in advance?
It is recommended that you choose formal channels to handle loans, such as bank channels;
"Lightning Loan" is a credit loan product specially made by China Merchants Bank for high-quality customers. If you have financing needs such as business turnover, car purchase, decoration, shopping and travel. You don't need to provide any mortgage and guarantee, and you don't need to submit any written materials. Just log in to our mobile banking or online banking professional edition and click Apply. The loan can be approved in 60 seconds at the earliest, and immediately released to your debit card current account in our bank for your use at any time.
The maximum loan amount of lightning loan shall not exceed 300,000 yuan. We will verify the maximum application amount of lightning loan for you according to your business situation in our bank. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP or the online banking "lightning loan" module to check your maximum application amount (subject to the final approval result).
Third, do you need to pay the service fee in advance for mobile phone loans?
You don't need to pay the service fee in advance to apply for a mobile phone loan. If there are arbitrary charges on the loan platform, you can complain about the loan platform.
About the complaint loan platform.
The company was enthusiastic at the beginning of its establishment, but it was often embarrassed in actual operation and fell into the predicament of further development. Let me explain to you whether the company is a legitimate company and whether it is supervised by government departments. I hope I can help you.
1. Is the company legal?
The company is an independent legal person approved by the competent department of the provincial government and has obtained a business license in the industrial and commercial department. There is no need to obtain a financial business license, so it does not belong to a financial institution. However, the company manages money and issues loans, but it is fulfilling the functions of financial institutions, which makes the company embarrassed in its identity and causes the following shortcomings:
1. The deposit in the bank is only implemented according to the deposit interest rate of ordinary industrial and commercial households, which is far lower than the interbank deposit interest rate of financial enterprises and not as high as the deposit interest rate in the central bank.
2. When financing from banking financial institutions, you can't enjoy the preferential interest rate of interbank borrowing, and you can only implement it according to the general enterprise loan interest rate, which is high in financing cost.
3. Because the company is not a financial institution, it is not conducive to the maintenance of its financial claims.
4. Because the company is not a financial institution, it can neither enjoy the preferential tax policies of financial institutions nor enjoy various financial subsidies from rural financial institutions, but it has to pay taxes and fees according to ordinary enterprises, resulting in a heavier corporate tax burden. According to the survey, at present, companies generally pay 5.56% business tax and surcharges, 25% enterprise income tax, 1.5% price control fund, and 0. 15‰.
2. Does the company have government supervision?
According to the relevant provisions of the Guiding Opinions, the company does not belong to the banking financial institution, and the provincial government clearly stipulates that a competent department is responsible for the supervision and management of the company, which leads to two situations:
1. In the provincial government, there is generally a financial office to supervise, and at the city and county levels, the financial work leading group is responsible for supervision. As the leading group for financial work is a non-permanent organization sponsored by the government, the People's Bank of China, the banking supervision department, the industrial and commercial department, the financial department, the tax department and the audit department, the virtualization problem of "multi-supervision" eventually becomes "unsupervised".
2. The situation is that the People's Bank of China and the banking supervision department are not directly responsible for the supervision of the company, so that the above two departments are not active in monitoring and counting the company's interest rate, loan investment and capital flow, and often provide inaccurate data and fail to submit information in time.
Third, the loan platform complained.
If you encounter a liar, you can complain to the local financial office or the local banking regulatory bureau.
You can complain to the company if you meet the following conditions:
1. Illegal fund-raising in the name of the company;
2. Illegal absorption or disguised absorption of public deposits in the name of the company;
3. Employees of the company use illegal means to collect debts or instruct others to collect debts illegally;
4. The actual interest rate of loans issued by the company exceeds the upper limit stipulated by judicial interpretation or is lower than the lower limit of loan interest rate announced by the People's Bank of China;
5. The company evades registered capital or evades registered capital in disguised form in the form of loans;
6. The company has off-balance sheet business activities;
7. The company issues loans to industries explicitly prohibited by shareholders and industry authorities;
8. The company has illegal business practices such as engaging in external guarantee business, cross-regional business, exceeding business scope, and issuing excessive large loans;
9. Other acts prohibited by laws, regulations and competent departments.
If you encounter the following problems when applying for online loan, you can complain to the loan company:
1. Improper collection: violent collection, address book explosion, door-to-door beating, insult, etc.
2. Unusually high interest rate: conventional loans.
3. Infringement of personal privacy: spreading personal phone calls or personal information, causing personal reputation damage.
4. Repeated credit granting: no risk control and free lending.
5. Deduct interest and insurance premium when lending.
6. How much do you ask for direct transfer after the money arrives?
7. High penalty interest.
4. Is there a handling fee for prepayment of CITIC Mobile Banking loan?
Nothing that is not clearly stated can be refunded.