Whether the Bank of Communications Huimin Loan manual review is high?

BoCom Huimin Loan manual review is high. According to the query of relevant information, the current maximum application amount for Bank of Communications Huimin Loan is 300,000. Bank of Communications Huimin Loans are reviewed manually. We will first review the qualifications of the lender, whether there are any overdue repayments in the credit record, whether the debt ratio of credit cards or loans in other banks is high, and whether there is a repayment ability. How much Huimin loan amount can be used to pay with Bank of Communications credit

Bank of Communications credit: Huimin loan!

Zhihu user G6tgLQ

From the column Financial Businessman Talks about Cards

Today I will tell you about another bank credit product. This product is from Bank of Communications and is called Huimin Loan. It is similar to the Guangda Lightspeed Loan I told you a few days ago.

"Huimin Loan" is a personal credit consumption loan launched by Bank of Communications. The maximum limit is 500,000. The maximum limit online is 200,000. If it exceeds 200,000, the account manager will contact you for offline verification.

It is also a credit product for wages and salaries. You can apply for it if you have check-in salary statement, social security provident fund, housing loan, etc. Credit products have always been products that intermediaries receive stably. It is mainly targeted at the Bank of Communications's salary customers and mortgage customers. Needless to say, credit information is not to be mentioned. The bank's products will definitely not have low credit information requirements. Those with poor qualifications should not try it, as it is a waste of credit information.

Product name: Huimin Loan Product Features: ·Supports early repayment and does not charge handling fees. ·Pure credit, no mortgage or guarantee required.

·The entire process can be processed online for a maximum of 200,000 yuan, and after adding offline review, the maximum is 500,000 yuan.

·The loan period can be up to 36 months, and you can choose it when withdrawing money.

·There are no fees for applying for a limit, and no interest will accrue if you do not withdraw money.

·Return it if you want and handle it yourself.

·Flexible use, supports POS card swiping, cash withdrawal, and transfer.

The annual interest rate is at least around 4. The specific rate is subject to the display, some are higher and some are lower. It will be lower when there is activity at the outlet.

Loan application conditions: 1. Have a Bank of Communications savings card.

2. The credit report has no overdue or other bad records.

3. Have any 6-month wage payment record, social security provident fund, or housing loan.

Note: It is better to get the mortgage loan from Bank of Communications. If it is from another bank, you can choose the relevant credit of the corresponding bank for better results. 4. The applicant’s age is 18-60 years old.

Required information: Bank of Communications debit card, face recognition, personal identity authentication, contacts, work information, etc.

Application channel: Official account "Ren Ren Card" and reply "Hui" Channels for receiving water from “ministerial loans”!

If you need one-on-one guidance from technical instructors to provide internal water channels and plan financing plans, you can send a private message to the editor to inquire about personal financing classes!

If you have received a text message from the Bank of Communications inviting you to apply for this loan before applying, it will basically be approved. However, if there are problems with your credit report, it may also affect the approval results.

Okay, that’s it for today’s sharing. Learn more about credit cards and loans. Official account: How to use Renren’s card payment bank Huimin Loan, and whether you can withdraw cash

You can withdraw cash from Bank of Communications Huimin Loan. The method of withdrawing cash is the same as withdrawing cash with ordinary bank cards. You can withdraw cash at bank counters or ATMs. However, if you want to withdraw large amounts of more than 50,000 yuan, you need to make an appointment at the counter.

The loan limit of Bank of Communications Huimin Loan can reach 300,000 yuan, the daily interest rate can be as low as 0.02, and the loan period can be as long as 36 months. It supports borrowing and repayment at any time, and no need to pay anything for early repayment. Liquidated damages.

Application channels. Currently, the Bank of Communications Huimin Loan can be applied for through the Bank of Communications mobile APP. Qualified friends can directly use mobile banking to apply, without the need for offline signatures, or the need to provide mortgages and guarantees. After the loan is successfully disbursed, you can withdraw cash directly from your savings card or make purchases with your card.

Extended information

About Huimin Loan

Special note: According to the regulations of Bank of Communications Huimin Loan, only interest needs to be paid for a few days on Bank of Communications Huimin Loan. , no liquidated damages are required.

For those who have a longer loan period, Bank of Communications Huimin Loan adopts the equal principal and interest repayment method. You can repay in 3, 6, 12 and 24 months. Xicaijun will use an example to explain to you how to calculate the interest on Bank of Communications Huimin Loans.

Normal repayment

Currently, Bank of Communications Huimin Loan adopts the mode of automatic deduction by the system. On the specified repayment date, everyone only needs to ensure that the funds in the account are sufficient for repayment. According to Bank of Communications Huimin Dai, the system will deduct funds in three time periods. The three time periods are:

1. 6:00-8:00 in the morning on the repayment day;

2. 18:00-20:00 in the evening on the repayment day;

3. Around 22 stores in the evening.

Late repayment

If you do not repay the loan in full and on time and the loan is overdue, Bank of Communications Huimin Loan will deduct the outstanding amount from the bank card from time to time. Therefore, after the loan is overdue, everyone only needs to deposit the full amount of funds into the designated account.

Early repayment

Bank of Communications Huimin Loan supports early repayment, but it requires manual operation. The operation steps are:

1. Enter Bank of Communications mobile banking and operate in the order of "My → My Finance → Loan → Loan Management";

2. Click "Advance Repay”, making full or partial repayments as needed.

Instructions for cash withdrawal from Bank of Communications Huimin Loan

1. When withdrawing cash, the system will give priority to withdrawing funds from the Bank of Communications Huimin Loan account, and the insufficient amount will be made up with current deposits.

2. If you want to make a large cash withdrawal of more than 50,000 yuan, you need to make an appointment in advance.

3. Currently, Bank of Communications Huimin Loan can withdraw cash overseas, but you must use a Pacific debit card to withdraw cash at self-service counters

with the "UnionPay" logo. However, cash withdrawals abroad cannot exceed 10,000 yuan per day and cannot exceed 100,000 yuan per year.

4. Currently, Bank of Communications Huimin Loan does not charge for cash withdrawals in China, but there may be certain fees for cash withdrawals abroad.

5. At present, cash withdrawals from Bank of Communications Huimin Loans are mainly used for daily consumption and cannot be used for investment or purposes prohibited by laws and regulations.

Reference materials: Bank of Communications official website - Can I withdraw cash from Bank of Communications Huimin Loan? How to use Huimin Loan?

There are two situations for withdrawing money from Huimin Loan, one is manual withdrawal, and the other is automatic disbursement during consumption. When the borrower actively withdraws cash, the user needs to log in to the Bank of Communications mobile banking. After entering Huimin Dai, select "Withdraw Now" to successfully withdraw the loan, and then select "Transfer Now" to transfer the funds to the bank card. .

In addition to withdrawing funds from Huimindai to bank cards, you can also directly use credit cards for consumption or scan QR codes to pay with mobile banking and withdraw cash. It should be reminded that after the Huimin Loan fund application is successful, each withdrawal will need to be approved by the system.

Huimin Loan is a personal credit loan launched by Bank of Communications. It is mainly aimed at working-class people with low incomes. The loan amount is up to 300,000 yuan and the loan period is 36 months. It is used for personal consumption. Loan and Huimin loan applications are completed online, and the approval speed is very fast.

Huimin Loan is a consumer credit loan provided by Bank of Communications for individual users with stable income. The maximum loan amount of Bank of Communications Huimin Loan is 300,000 yuan, the loan period is up to 36 months, and the daily interest rate is the lowest. 0.02 or less. After applying for a Huimin Loan from the Bank of Communications, you can withdraw it from the lending bank card after approval. It can be used in all ways other than those that are not allowed (financial management, buying a house, etc.), and you can also directly use the card for consumption. To apply for a Bank of Communications Huimin Loan, you can directly go to a nearby Bank of Communications branch to apply.

What kind of loan is Huimin Loan?

First, Huimin Loan is mainly targeted at four major customer groups, including Bank of Communications credit cards, those with mortgages, those with punch-in wages, and those with provident fund payments. Huimin Loan is a credit loan product, not for everyone. Any user can apply for Huimin Loan. Users need to meet certain requirements to apply for Huimin Loan, which is mainly targeted at four major categories of users.

Second, the main elements of the Huimin Loan product are up to 300,000 yuan and the longest period is 36 months.

Huimin Loan is a credit loan product with a maximum loan amount of no more than 300,000 yuan, with the longest period not exceeding 36 months.

For banks, the risk of such loans is relatively small for banks with low loan amounts. If a user is overdue on a small-amount loan, the cost of default will be too high for the user, and most users will not Past due on small amount loans. In order to control loan risks, Huimindai's repayment method is equal amounts of principal and interest. The user's monthly repayment includes the loan principal and loan interest. The user's loan principal is gradually reduced every month, and the bank's possible risks Losses are also gradually decreasing, while the cost of breach of contract is getting higher and higher for users.