1. The applicant is at least 18 years old, with a maximum of 60 years old and full capacity for civil conduct.
2. The applicant has a stable job, and the monthly salary is paid by Bank of Communications.
3. The applicant has lived in the loan area for a long time or has a local account.
4. The applicant has a high monthly income and can repay the principal and interest of each loan on time.
5. Applicants need to have a good personal credit record, and cannot have overdue records.
6. Applicants need to have certain personal property, such as bank deposits, stocks, bonds, etc.
For more information about the application conditions of Bank of Communications salary loan, please visit: See More.
Is the Bank of Communications Huimin Loan Reliable? Bank of Communications Huimin Loan Approval Requirements
Bank of Communications Huimin is the credit loan service of Bank of Communications APP. Many users of Bank of Communications will think of applying for Bank of Communications to benefit the people when they need to handle capital turnover. However, some users are still unfamiliar with Bank of Communications Huimin Loan, so is Bank of Communications Huimin Loan reliable? What are the approval requirements for Bank of Communications Huimin Loan? Let's take a look.
Is it reliable to apply for Bank of Communications Huimin loan?
Bank of Communications Huimin Loan is a personal credit loan launched by Bank of Communications for the working class. It doesn't need mortgage or guarantee. The loan amount can only be used for consumption, not for other purposes such as house purchase and wealth management. At the same time, the maximum loan amount of this product is 300,000 yuan, and the longest loan period is 36 months. You can borrow it and return it, and there is no handling fee for prepayment.
In terms of interest, the Bank of Communications Huimin loan is calculated according to the number of days of use, and generally only the loan interest is charged. If you don't need a loan, you don't have to bear any expenses. For those with excellent comprehensive credit, the daily interest rate can be as low as 65438+ 0.68 per ten thousand.
Generally speaking, as one of the five largest banks in China, the products issued by Bank of Communications are still very secure in background qualification. Moreover, in terms of interest, the interest of Bank of Communications Huimin loan is not very high. Bank of Communications customers who meet the application conditions may wish to try to apply.
What are the approval requirements for Bank of Communications Huimin Loan?
1, the working class has a stable job and income;
2. Working continuously in the current unit for more than six months;
3. Personal credit record is good;
4. Holding a bank of communications savings card, the bank of communications will pay wages;
5. Users with Bank of Communications mortgage loans.
What are the requirements for applying for a loan in Bank of Communications?
The driver's license can't be loaned, but it can be used as one of the materials for handling loans. Bank of Communications loan conditions:
1. Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the pledge right, the list of collateral and the ownership certificate, and the written document that the owner and the real estate agree to pledge the mortgage.
2. The guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
3. Credit certification materials of the guarantor.
4. Collateral appraisal report issued by the appraisal department recognized by the society.
5. Original and photocopy of the borrower's valid identity certificate.
6. Proof of marital status.
7 loan use plan or statement.
Extended data:
Product conditions
1. The loan object is a natural person with full capacity for civil conduct, with legal and valid identity documents, good credit standing, a stable source of income and the ability to repay the principal and interest on schedule, and can provide collateral/pledge recognized by the bank;
2. Having real estate as collateral in the loan area.
Product advantage
1. Free lending, saving time and effort, easy lending, and free repayment. When you have surplus funds, you can repay in advance at any time to reduce interest, and you can borrow flexibly when you need funds to avoid worries about turnover and consumption;
2. The procedures are simple and comfortable. You only need to grant credit once, and you don't need to go through complicated procedures such as mortgage every time you use money in the future, which is helpful to seize life opportunities in time;
3. It is flexible, and can issue loans through various channels such as counters, online banking and telephone, and can also enjoy special loan interest rate concessions.
References:
Baidu Encyclopedia: Bank of Communications Personal Loan