How to apply for Bank of China E loan on Bank of China mobile banking

In Bank of China Mobile Banking, the 5 steps to apply for BOC e-Loan are as follows.

2) Click "Sign In".

<>4) Click "BOC e-Loan".

5) Click "Apply".

Product description of BOC e-Loan (Personal Online Consumer Loan).

1) Loan amount: up to 300,000 yuan.

2) Loan term: The loan limit is valid for 12 months, and the borrower can recycle the loan amount during the quota period, and the loan limit can be reactivated after the expiration of the quota.

3) Purpose of the loan: The loan can be used for personal legal and reasonable consumption expenditures such as home improvement, car purchase, education, medical care, etc., and shall not be used for personal expenses that are not declared and prohibited by laws and regulations.

4) How to use: The credit line can be recycled and borrowed and repaid at any time during the validity period of the credit line. Interest is accrued on a daily basis based on the actual number of days of payment.

5) Repayment method: A single loan can be repaid by one-time repayment of principal and interest at maturity, monthly interest payment and principal repayment at maturity.

6) Guarantee method: credit loan, no pledge guarantee is required.

7) After approval, click Withdraw, select the loan purpose, amount and term as needed, and enter the mobile phone verification code and dynamic password, and the funds will arrive in the account immediately after the withdrawal is successful.

At present, it supports BOC's high-quality payroll customers, wealth private banking customers, housing loan customers, and provident fund deposit customers in some regions, and click on Loan-BOC e-Loan in mobile banking to submit an activation application. After the quota application is approved, you can click the "Use" link at the bank to withdraw money.

The above content is for your reference, and the actual business regulations shall prevail.

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You can log in to BOC Mobile Banking and apply for BOC e-Loan in "Loan Management". Or pay attention to "Bank of China Micro Banking"***, through "Micro Finance" - "My Loan", click on Bank of China e-loan application.

Bank of China Bank of China e-Loan Withdrawal Method:

1. You can withdraw at the counter or ATM.

2. For customers with an activated quota (subject to the time of signing the contract), the transfer of funds from BOC e-Loan can only be transferred to the accounts of non-same-name payees in other banks through [Loan Funds Transfer], and cannot be transferred to BOC accounts (including corporate and private accounts), nor to accounts with the same name of other banks, and it is forbidden to transfer funds to investment fields such as real estate and **.

The above content is for your reference, and the actual business regulations shall prevail.

Handle related business.

Bank of China Bank of China e-loan application conditions:

Chinese citizens aged not less than 18 and not more than 65 years old, customers with good credit history can apply for Bank of China e-loan, Bank of China will approve according to your comprehensive situation, if you are a payroll, housing loan, wealth management customer of Bank of China or a deposit unit with Liang in the operation of Zhongtanla has relevant deposit records, it will help you to obtain a credit line.

In addition, at present, Bank of China has supported provident fund deposit customers in some regions to apply for BOC e-loan products, and has connected with a number of provident fund centers, local taxation and social security. For more information, please consult the Bank of China outlets, or enter the Bank of China**Customer Service Manual Service or call the Bank of China Customer Service**.

95566 (Overseas, Hong Kong, Macao and Taiwan.)

Please call +8610-95566) for inquiries.

The above content is hail for your reference, and the business regulations are subject to the actual situation.

Handle related business.

<> Bank of China e-loan is a repayment method of borrowing and repaying, so it is generally calculated according to the daily interest rate, and the daily interest rate is priced differently by the user's qualification, and the minimum can be annualized.

The interest on each loan is calculated based on the loan balance, the number of days borrowed, and the interest rate on the borrowing day (360 per annum shown below). For example: the loan balance is 100,000 yuan (annual interest rate 6%), monthly interest = 100,000 (loan balance) * 30 (actual number of days) * 6% 360 (daily interest rate) = 500 yuan.

The daily interest rate of Bank of China e-loan is generally differentiated according to the applicant's qualifications, and the lowest can be annualized.

The loan term can be selected within 1 month to 12 months, and the loan term is within 3 months (inclusive), and the principal and interest will be repaid in a lump sum; If the loan period is more than 3 months to 12 months, the interest shall be paid on a monthly basis and the principal shall be repaid when due.

The annual interest rate range of Bank of China e-loan is still relatively large, and you can check the specific loan interest rate on the application page.

Extended Information: Is the Bank of China e-Loan Interest Rate High?

Compared with micro loans and borrowings with relatively low interest rates in private loans, Bank of China e-loans have greater advantages.

The general daily interest rate of borrowing is about 4/10,000, so the annual interest rate is converted;

The daily interest rate of micro loan is generally as follows, annual interest rate = ;

Compared with similar bank products, the annual interest rate of CCB's "Quick e-Loan" is calculated according to the current benchmark interest rate of the same grade in the same period by 50%, and the annual interest rate of Envy is generally the same.

It can be seen that the interest rate difference between bank consumer credit loans is not very large, and they are all at a relatively low level, so there is a saying that credit cards, bank loans, and then online loans are used to apply for loans.

Users can repay the loan in advance at any time before it expires.

Tips:1Bank of China e-loan loan funds can only be used for personal legal and reasonable consumption expenditures, and shall not be used for production and operation, shall not be used to purchase various investment products such as **, **, wealth management, etc., shall not be used to repay personal loans or credit cards, and shall not be used to invest loan funds in areas prohibited by national policies, laws, regulations and regulatory provisions, including the real estate market.

2.When you choose Mobile Shield as the withdrawal security tool for authentication, you can apply for Mobile Shield on mobile banking.

1. Pay wages on behalf of BOC for more than 6 months; 2. Repay the mortgage with Bank of China for more than 24 consecutive months; 3. The depositors connected with the Bank of China have paid the provident fund for more than 6 consecutive months (at present, the Bank of China has supported customers who have paid for provident fund, local tax and social security in some regions to apply for Bank of China e-loan from Bank of China); 4. Reach the level of Bank of China Wealth Customer. If one of the above conditions is met, you can apply for BOC e-Loan.

The above content is for your reference, and the actual business regulations shall prevail.

To apply for Bank of China e-Loan, you can meet any of the following conditions:

1. The applicant's employer pays wages through Bank of China, and the wages have been paid by Bank of China for more than 6 months;

2. The applicant has applied for a housing loan with Bank of China and has repaid the housing loan for more than 24 consecutive months;

3. The applicant has paid the housing provident fund for more than 6 consecutive months;

4. The applicant's wealth customer level in Bank of China has reached level 06.

Small loans** are the most reliable and direct to the account, and compared with other loan methods, the loan application of the online loan platform is convenient and the loan is fast, but the application for online loan should pay attention to the formal large platform, which can better protect personal interests and information security. At the same time, be careful not to pay pre-loan fees to avoid being scammed.

It is recommended that you use Youqian Hua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqian Hua, renamed as "Youqian Hua" in June 2018), a big brand with reliable and low interest rates. If you have money to spend - full easy loan, the maximum amount of borrowing is 200,000 (Click on the official free test credit), daily interest rates as low as toIt has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.