1. Good credit information: BOC e-loan is a pure credit loan, which requires high credit information. It cannot be overdue for at least the past two years. This kind of overdue includes all kinds of overdue loans, such as your credit card, online loan or housing loan.

2. Number of online loans: There are many online loans now. The number of online loans should be controlled within two. Because too many online loans will not only increase the debt ratio, but also consume credit information, so try to borrow less. It is suggested to settle the borrowed online loan before applying for BOC e-loan.

3. Inquiries: Don't make too many inquiries for credit reporting. Many people may ask, what is this "many"? Generally speaking, if the number of queries exceeds 10 in half a year, it is easy to be rejected. So don't apply for a credit card casually, and don't apply for an online loan at will.

4. Reduce the debt ratio: the debt ratio is an important indicator to measure whether a person repays. Many people applied. However, most of the reasons are high debt ratio. In short, the debt ratio is the ratio of your credit card and various loans to your monthly income. It is best to control it within 50%.

5. Pay wages on behalf of others: there is housing accumulation fund, which has been paid for more than one year. At the same time, it must be the customer who pays the wages, and the wages of other banks can't.

First download BOC e-loan (version number: V.2. 1.2), then register and log in, click I want a loan and submit the information.

: 1. What is BOC e-loan?

BOC E-loan is a credit consumption loan product launched by China Bank, which is mainly aimed at high-quality customers, wealth private customers, mortgage customers of China Bank and customers who have paid provident fund, social security and individual tax in some areas. As long as the individual 18 is over one year old and has full capacity for civil conduct; Personal credit information is in good condition; You can apply for a loan if you have certain repayment ability. The maximum amount of loan products can reach 300,000 yuan.

If users want to apply for BOC e-loan, they can apply in the following ways:

1, WeChat application. Pay attention to the official account of "Bank of China Micro-Banking" on WeChat (8.0. 15). After entering, click "Micro-Service"-"More Functions", and then click "BOC E-Loan Application" in my loan.

2. Mobile banking applications. Install the mobile banking APP of Bank of China (version number: V.2. 1.3) on your mobile phone, click "Loan" after entering, and then select BOC e-Loan to apply.