At present, customers in some areas of China can apply for loans online through personal online banking and mobile banking of BOC. Online loan applications support micro-enterprise loans, first-hand housing loans, second-hand housing loans, commercial student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.

Personal online banking can be used in loan management-new business application-more loan application.

With mobile banking, you can handle housing loans-more loan applications.

The above contents are for your reference. Please refer to the actual business regulations.

Can I get a bank loan online? Pay attention to these matters.

It is very troublesome to apply for a loan at a bank outlet. Needless to say, the procedures are complicated and the materials to be provided are diverse. Many people want to know what methods can be used to apply for bank loans quickly, such as whether they can apply for bank loans online. Let's discuss it with you here.

Can I get a bank loan online?

Yes, many banks have broken the traditional loan model and obtained credit loans that can be applied online without mortgage guarantee. Just find the loan entrance on WeChat bank or mobile banking to apply, click in and fill in the relevant application form and submit it.

Although the process is simple, before you apply for an online banking loan, you should make sure whether your qualifications meet the requirements of the bank loan you want to apply for, otherwise, even if you apply, the bank will not lend money, but will add a loan application inquiry record to your credit report, which will have an impact on credit reporting.

Here are some benefits and some popular bank loans that can be applied online for your reference.

1, Agricultural Bank of China Network Dai Jie

The most famous credit loan of ABC is Netjet. If you are a personal housing loan customer of the Agricultural Bank of China, or a customer who has paid the provident fund, you can apply for Netjet loan at the Agricultural Bank of China's personal bank with a debit card, with a maximum amount of 300,000.

The annual interest rate of NetJet is not fixed and will be adjusted according to market conditions. The interest rate of mortgage customers rises 15%, and the interest rate of non-mortgage customers rises 15%-50%.

2. China Merchants Bank E invites loans

E lease loan is a good credit loan of China Merchants Bank, which belongs to cash loan. After comprehensive evaluation, the bank will grant credit, apply for a loan within the credit line, transfer the money to my debit card, and then repay it in installments.

When it comes to bank interest rate concessions, the discount range is about 0.45%~0.6%, and the longest loan can be 24 months, which is suitable for office workers with long capital cycle.

Can I apply for a loan online? Can I apply for a bank loan online?

You can apply for a loan online. You don't have to go to the service desk of the business outlet to apply for a bank loan. Customers can directly log in to the bank official website, enter the personal online banking, and apply for loans on the loan page; You can also log in to the mobile phone client of mobile banking, and then go to the loan page to apply for a loan. Of course, the prerequisite for applying for bank loans online is that customers have opened personal online banking and mobile banking. The above is whether I can apply for a loan online.

How to get loans from banks to online loans?

It is not difficult to apply for a bank loan online. After searching for the loan page in online banking or mobile banking, select the loan product that the individual wants to apply for and select the Apply button to apply. The general system has relevant reminders. Just follow the prompts on the webpage.

However, most of the bank loans that can be applied online are transaction loans; Large loan business, such as housing mortgage, must be handled at the service desk of the bank's business outlets. If you apply for a loan at the service desk of a bank branch, you need to prepare the corresponding materials. This article is mainly about whether you can apply for a loan online, and the content is for reference only.

How to get a loan from an online bank?

Online merchant banks can borrow money through mobile banking, taking ICBC's credit card (debit card) as an example. The specific loan process is as follows:

1. Download and open the "ICBC e-Life" APP on your mobile phone, and log in.

2. After logging in successfully, click "Rong E Loan" on the home page, enter the mobile phone number and verification code, and click "View my quota". The page will display "Congratulations on getting the qualification of e-loan".

3. Click "Borrow Now" and click "I know" in the pop-up page.

4. Enter the loan page and enter the required amount, click "Send Verification Code", fill in the received SMS verification code, and then click "Next".

5. After checking the loan information, click "Next".

6. Click "I agree" after reading the commitment letter completely.

7. Click "OK" to complete the loan application for "e-loan".

Can I get a loan online?

Hello!

You can apply for a loan online. In fact, according to your own actual situation, you can consider the handling methods:

1. Through the Bank of official website.

Many banks have online banking. You can apply for a loan online by logging into online banking official website.

Take Ping An Bank as an example, the online processing method is: online registration application-telephone contact of loan specialist-submission of materials-lending after approval.

2. Handling through intermediary agencies.

For customers who don't know about loan products, I suggest you choose this method. The so-called intermediary lending platform means that such platforms have established cooperative relations with banks and formal lending institutions. Customers can consult first and then find suitable institutions and loan products, and then hand them over to banks or loan institutions for handling.

Taking Rong 360 as an example, the process of online personal loan application is: platform loan application-platform qualification investigation-recommendation institution-institution negotiation and successful loan signing.

3. Through the loan company.

At present, there are many loan companies in the market, such as CreditEase, Urgent Loan and Zhongan Credit. There are also a large number of loan companies in the name of guarantee and consultation. There are also some electronic financial institutions, such as the p2p-based Renren loan website. These institutions can also apply for loans.

However, it needs to be reminded that because there are a large number of fake scammers, phishing websites and loan companies on the Internet, and customers do not understand the qualifications and legality of such loan companies, they are likely to fall into the trap of scammers.

Can online banks really lend money? Can you believe it?

Online banking loan is not recommended. Online banking loans are risky, such as regular loans. "Routine loan" is not a real private loan, but in the name of private lending, it illegally occupies other people's property through various means.

Criminal suspects usually attract customers under the banner of so-called "unsecured", "low interest" or even "interest-free" and "quick loan", and promote loan products by publishing small loan advertisements and harassing calls. Once someone believes the content of the advertisement and comes into contact with it, they formally fall into the trap of the "routine loan" gang.

Compared with the formal lending institutions' standardized audit procedures and strict requirements for lenders, illegal online lending institutions have taken advantage of consumers' luck and strong consumer demand, forming a "growth" space. Illegal online loans, including "routine loans", have caused serious harm to individuals, families and society, and all parties have called for strengthening the supervision of private lending.

Extended data:

Don't believe that online banking needs to handle loans in formal institutions or banks. On the Internet complaint platform, more and more consumers have actively exposed their experience of being "routine", and cases such as unwittingly being loaned, overdue platform and malicious collection abound. If you encounter a "routine loan", you can complain and report, or you can pick up legal weapons and send the criminals to the public security organs.

Not only lenders, we should strictly distinguish between private lending and other criminal acts, and earnestly improve our vigilance against criminal acts such as "routine lending" to prevent and resolve various risks.