What are the application conditions for Huaxia e-loan?
1. China citizens with valid Chinese identity cards and full capacity for civil conduct.
2. Huaxia Bank personal online banking certificate users and registered users in electronic channels such as mobile banking.
3. Good reputation, no bad credit record and no illegal behavior.
4. Have a stable and good personal and family income level.
5. Open a personal account in Huaxia Bank.
6. The borrower is not included in the list of terrorist organizations and terrorists issued by the judicial organs in China and relevant departments and institutions in the State Council and the sanctions list issued by the United Nations Security Council, so there is no suspicion of money laundering.
7. Other conditions required by Huaxia Bank.
Huaxia Easy Loan Repayment Method:
1. If the loan term is less than one year (inclusive), the method of paying interest on a monthly basis and repaying the principal at maturity shall be adopted.
2. If the loan term is more than one year, it can be divided into average principal and equal principal and interest repayment by paying interest on a monthly basis, repaying the principal when it is due, or by monthly installments.
Huaxia e-loan business shall collect loan interest according to the actual days of loan occupation and the interest rate agreed in the contract from the date of loan issuance. For the interest that cannot be paid on time, penalty interest will be charged according to the contract, and the penalty interest rate will be calculated with compound interest. After the borrower applies, it needs to pay off the corresponding amount within the specified time.
That's all. I hope it helps you.