The mobile phone repayment process of rural commercial banks is as follows:
Step 1: Log in to the mobile banking client of the rural commercial bank on the mobile phone (the mobile banking app of the rural commercial bank in different regions is different);
Step 2: Click "Credit Card" on the homepage of mobile banking client;
Step 3: Click the repayment button on the "Credit Card" page;
Step 4: Select the credit card to be repaid, and click "Repay Now" to query and select the corresponding repayment currency.
Mobile banking uses mobile communication networks and terminals to handle related banking business, and the charging standards of different banks are different.
Mobile banking combines the new services of electronic money and mobile communication. Mobile banking not only enables people to handle all kinds of financial services anytime and anywhere, but also greatly enriches the connotation of banking services, enabling banks to provide customers with traditional and innovative services in a convenient, efficient and safe way.
Mobile banking consists of mobile phone, GSM short message center and banking system.
During the operation of mobile banking, after the user sends an instruction to the bank through the menu on the SIM card, the SIM card generates a short message with a specified format according to the user's instruction and encrypts it, and then instructs the mobile phone to send a short message to the GSM network.
After receiving the short message, the GSM short message system sends it to the corresponding banking system according to the corresponding application or address. The bank preprocesses the short message and then converts the instruction into the host system format. The bank host processes the user's request and returns the result to the bank interface system. The interface system converts the processing result into short message format, and the short message center sends the short message to the user.
Charge standard:
1. ICBC: Depending on the number of SMS messages sent, 0.2 yuan/message or 0.3 yuan/message is accepted. Remittances from different places are charged according to the personal remittance charge standard at the counter, that is, 1% of the single remittance amount, with the lowest 1 yuan and the highest in 50 yuan. Recently, the remittance fee is 20% off.
2. China Construction Bank: remote transfer (remittance), inter-bank transfer and transfer to enterprises. As of 20 10, 12 and 3 1, these three kinds of transfers enjoy 0. 15% discount, ranging from 1 yuan to 15 yuan.
3. China Merchants Bank: For transfers from other banks in the same city in 2 yuan, 0.2% of the transaction amount is charged for transfers from peers in different places (lowest in 5 yuan and highest in 50 yuan), and 1% of the transaction amount is charged for transfers from banks in different places (lowest in 10 yuan and highest in 50 yuan).
4. China Everbright Bank: The bank or my account is free to transfer money in the same city, and a handling fee of 0.5% of the transaction amount is charged in different places (the lowest in 2 yuan and the highest in 20 yuan). A handling fee of 0.5% of the transaction amount is charged for inter-bank remittance in the same city (lowest in 5 yuan and highest in 50 yuan).
5. Bank of Communications: 6 yuan/month mobile phone service fee (free until the end of this year), foreign counterparts and other banks in the same city charge 0. 15% (50% off this year), and foreign banks charge 0.3% (50% off this year), ranging from 1 yuan to 15 yuan.
7. Agricultural Bank: SMS service is free for the first month, and then 2 yuan/month service fee. The handling fee for transfer and remittance transactions is the same as that for the counter, with a handling fee of 0.5%. Lowest 1 yuan, capped in 50 yuan.
8. Minsheng Bank: Free of charge.
How to pay back the mobile phone loan? What is the repayment method?
As a common loan method, mobile phone loan is easy to operate and is favored by many people. Loans are always borrowed, and it is not difficult to borrow again. So how is the mobile phone loan paid back?
Mobile phone loan repayment supports the following repayment methods:
Mobile UnionPay payment (IOS system only): Click on the APP "I want to repay" and follow the steps. Bank cards require online banking or cardless payment services. Please consult the relevant bank for details.
Official website Mobile Loan Repayment: Click "I want to repay" at the top of the page to operate! Bank card needs to open online banking payment service, please consult the relevant bank for details.
Alipay repayment: mobile phone loan Alipay account number: Shanghai Qianlong Financial Information Service Co., Ltd. Please note "Borrower's name and mobile phone number" for repayment.
Counter repayment: Please call the customer service hotline for confirmation after repayment.
In addition, mobile phone loans also support prepayment and prepayment, and the loan fees paid before will not be refunded. When submitting loan applications, the loan term should be carefully selected.
Mobile phone loan and repayment reminder. Two days before the loan maturity date (repayment date), the system will notify you of repayment through the APP message center and SMS.
Repay in full and on time so as not to affect your good credit rating. If you don't repay in full and on time, you will be reminded by the customer service staff in addition to the APP message center and SMS.
Failure to repay on time will affect your credit in mobile phone loans. If you don't pay back the promise again and again, the amount will be cleared and a penalty will be charged. The second loan will also be affected. Of course, on record, loans in other companies will also be affected to some extent.
Repayment on time can not only increase the quota, but also speed up the review of re-borrowing, making you a good customer with good credit.
How to repay loan interest by mobile phone in rural credit cooperatives
The method of repaying loan interest by mobile phone is as follows:
1. Take Jiangsu Rural Credit Cooperatives as an example, and open the Jiangsu Rural Credit Cooperatives app on the mobile phone desktop.
2. Next, click on the top right corner of the page.
3. Then, click Login.
4. After logging in, click the loan indicated by the arrow.
5. After entering the loan page, click Repay Now.
How to operate the mobile phone to repay the mortgage?
The loan user can log in to the mobile banking of the transfer bank and directly transfer the repayment funds to the repayment bank card. Of course, loan users can also directly borrow money from the bank's mobile banking and enter my mortgage for manual repayment.
Mortgage is that the loan bank automatically deducts the monthly payment from the bound repayment bank card on a fixed repayment date without manual operation by the user. Therefore, the lender only needs to ensure that the balance in the loan bank card is sufficient before the repayment date.
Personal housing loan refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. Personal housing loan business is one of the main asset businesses of commercial banks. Refers to the loan issued by a commercial bank to a borrower for the first time to purchase a house (that is, a house sold to an individual after development and construction by a real estate developer or other qualified development subject). Personal housing loans mainly have the following three loan forms:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans.
(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The borrower shall provide the lender with the following information:
I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);
2. Proof of the stable income of the borrower's family;
Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;
Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;
Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department;
6. Other documents or materials required by the lender.
Processing flow:
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB conducts loan approval.
4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.
How to repay the loan by mobile phone?
At present, the types of loans that support online prepayment are: national student loan, online (deposit, wealth management), personal revolving loan, and BOC e-loan (BOC e-loan, youth e-loan, salary loan and commercial loan). Other loans still need to be repaid in advance at the BOC counter.
You can log in to personal online banking, select the corresponding loan through the function of "Loan Management-Loan Repayment", and then make prepayment.
Log in to mobile banking, and select the corresponding loan through the "Loan-My Loan" function to make prepayment.
The above contents are for your reference. Please refer to the actual business regulations.
So much for the introduction of how to repay the mobile phone.