1) The borrower has a stable job and economic income;
2) At the time of application, the borrower has been working in the current unit for more than six months;
3) The applicant must be between 18 and 55 years old, and have full capacity for civil conduct and repayment ability on time.
4) Personal credit information is good. You can't have a bad record in Bank of Communications, and you can't have a stain on the central bank's credit information.
5) The borrower must be a customer of Bank of Communications, and generally needs to be a paying customer of Bank of Communications, belonging to a relatively high-quality old customer.
6) Bank of Communications credit card holders, as well as Bank of Communications savings cards, pay their cards in 6 months.
7) The borrower needs to handle business in Bank of Communications frequently, and has opened the mobile banking of Bank of Communications, so he can submit personal application materials online.
8) Other loan conditions stipulated by the bank, etc.
The above are the detailed conditions that need to be met in applying for the Huimin loan of Bank of Communications. During the approval process, the Bank of Communications Huimin Loan Association will pay special attention to these conditions. However, it is not necessary to meet the above conditions to pass the examination and approval. Don't be discouraged if the approval fails. You can try to open it at any time through the mobile banking of Bank of Communications, and there will always be success.
1. Different users get different credit lines when handling loans, so they must return the loans on time, and there can be no overdue. Because there will be penalty interest after overdue repayment, the longer the time, the more penalty interest. Moreover, after the deadline, the bank will collect the money, and the common collection method is to call the borrower.
2. If it is in loans overdue, it will be uploaded to the Credit Information Center. If the credit information gets worse, it will affect the subsequent handling of various loans, such as car loans or mortgages, which will be kept for at least 5 years after the overdue arrears are returned. It will disappear automatically after 5 years and will no longer remain in the credit report. When handling Huimin loans, you should measure your repayment ability and know what kind of income to use to repay. In fact, if you can't repay on time, you can borrow money from friends around you. Follow-up individuals can pay back their money to their friends, but you can't borrow money from friends many times, so as not to cause others to resent it.