Basic conditions for lightning loan application:
1, with China Merchants Bank card;
2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;
3. The lender has the ability to repay the loan on time, no illegal acts, and good credit;
4. Whether the credit line can be obtained and whether the loan can be successful is subject to the system evaluation results, and manual intervention is impossible.
Tips:
1, lightning loan funds can only be used for normal bulk consumption and transfer, but not for investment, stock market, real estate and other directions.
2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.
3. There are two ways to apply for a loan within the lightning loan limit:
(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.
(2) Lending on T+ 1 day: there will be telephone verification within t+1day, and the loan will be arranged after the information is confirmed. If you don't answer after three times of active contact, the application fails and you need to apply again.
4. When the lightning loan is built, there will be inquiry records on the credit information. If only the amount is successfully established and there is no withdrawal: there will be no record of the amount in the credit investigation; Every subsequent withdrawal, there will be a new loan record in the credit information.
5. You can log in to China Merchants Bank Mobile Banking, click "My → All → Loan" to try to apply, or see if you are qualified to apply.
(Response time: June 5438+1October 17, 2022. Please refer to the latest business changes announced by China Merchants Bank in official website. )
Tips: If you have any questions, please feel free to contact China Merchants Bank APP@ your intimate customer service ~?