With the development of China Guangfa Bank, new loan products appear constantly. Guangfa Bank applies for E-second loan online and lends money online, so that customers can apply for loans without leaving home, and they can know the pre-approval amount of loans in 3 seconds at the earliest. Then, how does Guangfa Bank apply for an e-second loan? What are the application conditions and procedures? What is the expected annualized interest rate?
E-second loan of Guangfa Bank mainly provides personal pure credit consumption loans, with the amount ranging from 5,000 yuan to a maximum of 300,000 yuan. There is no threshold, you can apply directly online, get the pre-evaluation quota in 3 seconds at the earliest, and complete the examination and approval in one day at the earliest. Customers can apply once, enjoy a 5-year revolving line, borrow it as needed, repay it as borrowed, and bear interest on a daily basis, so as to save the credit cost to the maximum extent. 1. Application conditions for e-second loan of Guangfa Bank: 1, and the applicant is 25-55 years old; 2. The applicant is a Chinese mainland resident and has worked in the current unit for half a year; 3. The applicant has sustained and stable work income and a good credit record. II. The application process of e-second loan of Guangfa Bank: 1. Users log in to official website of China Guangfa Bank and choose e-second loan from China Guangfa Bank. When applying online, it only takes three to five minutes to fill in simple information, and the application process can be completed without scanning or submitting any written documents. After submitting the application online, you can know the pre-approval amount of the loan in three seconds at the earliest. 2. Within one working day after the user successfully completes the application, a special person will contact the user by telephone to arrange the signing and bank account opening. 3. After signing the contract, the loan amount will be activated, and you can make your own payment through electronic channels such as online banking and mobile banking of Guangfa Bank as soon as possible. Three. Expected annualized interest rate of e-second loan of Guangfa Bank: The expected annualized interest rate of e-second loan is different according to different lenders. The credit cards of Agricultural Bank of China, Bank of Communications and China Merchants Bank do not support the monthly interest of other bank cards for the time being. The monthly interest rate is equivalent to the annual interest rate 18%, and the expected annualized interest rate is high in the bank's consumer loans. However, once users apply, they will enjoy a five-year revolving line, borrow on demand, and bear interest on a daily basis, which can save credit costs to some extent.
2. What is the second interest rate of Guangfa Bank's e-loan?
Guangfa seconds e-loan is a pure credit consumer loan, and users can apply as long as they have paid the provident fund continuously for 6 months in the local area. The monthly interest rate of e-second loan for the savings card users of Guangfa Bank is 1.25%, and the converted annual interest rate is 15%. For other bank card users, the monthly interest rate for e-second loans is 1.5%, and the converted annual interest rate is 18%. This interest rate is relatively high compared with other consumer loan interest rates.
Third, GDB cards are purchased in installments for e seconds at zero interest. Is there a handling fee?
Guangfa e-second purchase is a lightweight payment product, which provides users with the function of fast installment payment and supports a variety of installment choices. E-second installment is 0 interest and 0 handling fee. Maybe you didn't pay attention when you read this information. When paying in the mall, choose credit card installment and choose e-second purchase.
4. What is the e-second loan interest rate of Guangfa Bank?
For CGB savings card users, the e-second loan interest rate is calculated according to the monthly interest rate 1.25%; For bank card users of other banks, the e-second loan interest rate is calculated at the monthly interest rate 1.5%. And 1.5% 18%.