1. Basic conditions for lightning loan application:
① Holding a one-card savings card of China Merchants Bank;
The age is generally between 23 and 60 years old, and the age plus loan period is generally not more than 60 years old;
(3) It has the ability to repay the loan on time, no illegal acts and good credit;
Whether you can qualify for the application and how many places you can get depends on the evaluation results of the system, and manual intervention is impossible. The longer you deposit and manage money in China Merchants Bank, the greater the chance of obtaining a lightning loan line.
2. The flash loan application only supports mobile banking. You can log in to mobile banking and click "My" → "All "→" Borrow money "to apply for lightning loan.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1000.
4. The lightning loan can be applied every day, and the year-end settlement or holidays may be suspended, depending on the tips on the application page.
Loan time loan description (click on the loan, and the system will judge what kind of loan time it is)
15 minutes? It will be automatically approved within 5- 10 minutes, and the loan will be released immediately after the approval, and the result will be notified by SMS. ?
Within 24 hours? There will be a phone call within 24 hours to verify the confirmation information and arrange the loan as soon as possible. ?
Tips: You cannot query the approval progress directly. If you don't receive the outgoing call or exceed the time limit for power verification, you can call back on weekdays to get approval.
5. After the lightning loan is issued, the cash will be automatically distributed to the current account of the savings card of China Merchants Bank. These funds can be used for daily credit card consumption, car purchase, cash withdrawal and transfer to peers or banks. , and shall not be used for mortgage repayment, investment and wealth management, securities funds, stock market, real estate and other directions; In case of illegal use, China Merchants Bank has the right to suspend the loan amount and demand early repayment.
(reply time: July 3, 20021year. Please refer to the latest business changes announced by China Merchants Bank in official website. )