How to inquire about Bank of China housing loan

If you need further information, you can consult the Bank of China loan agency. Or call the Bank of China customer service hotline 95566 for further consultation on the loan situation.

The above content is for your reference, please refer to actual business regulations.

How do ordinary people get a bank loan? You can go to the bank for consultation

Many people will apply for a loan from the bank when they are in urgent need of money. So how do ordinary people go to the bank for a loan? What should you pay attention to when applying for a loan? Below I will give you a detailed introduction so that you can successfully apply for a loan and avoid unnecessary troubles.

When ordinary people go to the bank for a loan, they can go to the bank for consultation first, but when consulting, they should ask according to the type of loan they have. Common loan types include mortgage loans, consumer loans, credit loans, entrepreneurial loans, etc., and they vary. Loans require different conditions, and users can choose according to the actual situation.

Usually, the borrower can apply for a mortgage loan when he or she owns a property. At this time, the loan amount is determined based on the collateral submitted by the user, which is generally about 60% of the assessed amount of the mortgaged property; if a credit loan is applied for, the bank will The loan limit will be determined based on the borrower's annual income. Depending on the borrower's occupation, the credit loan credit limit will be different.

The borrower submits materials according to his or her loan type, and then the bank will review the application. After passing the application, the bank will release the loan and then repay it on time. When signing a formal loan contract, users can choose the repayment method and number of repayment periods, which are generally determined based on their income. However, they can repay in advance after applying for a loan.

After applying for a loan, the user must repay the loan on time in accordance with the provisions of the contract. There must be no overdue payment, because overdue interest will be incurred, and overdue records will be uploaded to the credit reporting center, resulting in personal credit reporting. If it becomes non-performing, it will affect the subsequent processing of various loans, and it will not be rejected by the bank for a long time.

Finally, users can consult different banks when applying for loans at banks, so that they can know which bank offers the lowest loan interest rates, because the interest paid on loans is lower at banks with lower loan interest rates. It will be helpful for subsequent loan repayments, but you must also pay attention to the loan conditions given by different banks to determine whether you meet the requirements.

How to find a bank loan

Looking for a bank loan requires you to submit corresponding materials

Looking for a bank loan requires the loan applicant to submit corresponding materials, such as the borrower's ID card , household register, etc. Take applying for a real estate mortgage loan as an example.

The materials that need to be submitted when looking for a bank to apply for a real estate mortgage loan include:

1. The borrower’s fixed economic income certificate issued by the lender’s employer;

2. Credit certification documents such as the business license and legal person certificate of the loan guarantor;

3. The borrower’s legally valid identity certificate;

4. Relevant housing ownership certificates that comply with legal provisions or Proof that I have the right to control the house;

5. Valuation report, appraisal and insurance document of the mortgaged property;

6. Contract, agreement or other supporting documents for the purchase and construction of the house ;

7. Other documents or materials required by the lending bank.

Finding a bank loan application process

There are many procedures required to find a bank loan, and the loan application procedures of each bank are different. Generally speaking, you go to the counter to handle it, and a few banks support online processing. Here, take the process of applying for a business loan from China Merchants Bank as an example. (How to borrow money quickly and get it to your account in real time)

To apply for a business loan from China Merchants Bank, customers can contact the credit manager of China Merchants Bank to apply for it at home, or they can go to the counter of China Merchants Bank to apply.

1. Contact the credit manager of China Merchants Bank to come to apply for a business loan:

(1), call 95555-8 or contact the account manager of the business outlet

(2), Application processing - China Merchants Bank's account manager will provide door-to-door service and collect information

(3). Obtain a loan - successfully obtain a business loan from China Merchants Bank

2. Apply for a business loan at the counter of China Merchants Bank

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Bring the materials and go to the counter of China Merchants Bank to apply for a business loan.

Through the above introduction, you should know how to find a bank loan. Bank loan processing is very complicated and approval is slow. It is recommended that you go to a third-party platform for a loan.

The third-party loan platform has fast review, requires less materials to be submitted, and has a high credit limit.

Who should I consult if I need a loan?

It is recommended to choose formal channels for borrowing. If you need to apply for a small cash loan, China Merchants Bank has launched a flash loan business. You can currently apply through mobile banking or check whether you are eligible to apply.

1. After the flash loan is issued, cash will be released to the designated account. The funds can only be used for normal bulk consumption and transfers, and are not allowed to be invested or flowed into the stock market, real estate, etc.

2. If you hold a China Merchants Bank savings card, you can log in to mobile banking and click "My → All → Borrow → Flash Loan" to apply for a flash loan. Your specific quota will be determined based on your business situation in China Merchants Bank, which can be viewed after successful application.

3. Different types of flash loans have different limit regulations. Generally, the maximum credit limit does not exceed 300,000, which is ultimately displayed on the loan page. If you have obtained the qualification for a flash loan, you can log in to the "Flash Loan" module of China Merchants Bank's mobile banking APP or online banking to check your maximum application amount. The minimum single withdrawal amount is 1,000 yuan, and the maximum amount does not exceed the quota amount, and it must be 1,000 yuan. an integer multiple of.

4. There are two types of applications for borrowing money within the flash loan limit:

(1) Loan within 15 minutes, automatically approved within 5-10 minutes, and the loan will be released immediately after approval, and you will be informed by text message Result

(2) Loan on T1. There will be a phone call within T1 to verify the information. Loan will be arranged after confirming the information. If you contact the applicant 3 times but do not receive an answer, your application will be unsuccessful and you will need to apply again.

Warm reminder: ①If the loan is not automatically released within 5-10 minutes, normally you have to wait for phone review. The approval progress cannot be directly queried, and the specific approval results shall prevail.

② When a flash loan is used to build a credit limit, there will be a query record on the credit report. If you have only successfully established a balance but have not withdrawn money: there will be no record of the limit in the credit report; for each subsequent withdrawal, there will be a record of the loan in the credit report.