What is the detailed introduction of Bank of Communications Haoxiang Loan?

1.Haoxiang Loan is a new credit card installment business launched by Bank of Communications, which provides large-scale consumer credit support with a high exclusive limit (up to 150,000 yuan) and convenient service process.

2.After signing the contract, when the consumption reaches the set transaction amount, the system will automatically install, and the repayment period is up to 24 months, and the monthly handling fee is only the total amount consumed;

3.The Privilege Loan Limit is a separate non-revolving limit added to the original limit under the designated card, which does not participate in and does not affect the original limit of all credit cards under the cardholder's name, up to a maximum of 150,000. The quota is valid for 90 days from the date of successful application;

4.The non-revolving credit limit means that the used credit limit will not be automatically restored due to repayment, return, cancellation of installment, etc.;

5.Haoxiang Loan is a business that increases the credit limit of the principal card of Bank of Communications Pacific Credit Card designated by the cardholder within a certain period of time according to the cardholder's application, and automatically installs after the occurrence of eligible transactions. As a new business under Bank of Communications, the security is relatively high.

1. The handling fee means that the total amount of money you brush * (multiplied), you have to pay every month, for example, you have a total of 2,000 yuan to brush the amount.

2000 multiplied by the processing fee).

Divided into 12 months still.

2000 divided by 12=

This way your monthly payments are: Principal.

2 The handling fee is the interest in disguise, hehe, there is no other.

3. You can go to the Bank of Communications credit card** to check those that can be consumed.

4. It's okay not to exceed the limit he gives you.

5. 10,000 yuan, you pay 834 + 72 yuan handling fee every month.

6. By sending a message, you are inviting you to participate in this event, as long as ** or the webpage is activated.

Bank of Communications Haoxiang Loan is mainly launched to reduce people's consumption burden, users can get a special line in addition to the credit card limit, when the credit card limit is not enough, you can use the special line, after using it can be repaid in installments, this repayment method reduces the user's monthly repayment of the amount of arrears.

Bank of Communications Haoxiang Loan needs to pay a certain handling fee for installment repayment after use, which is probably the biggest drawback, such as the user's consumption amount will be automatically installment after reaching 1,500 yuan, and the installment handling fee rate is between. In order to avoid the expense of handling fees, users should be cautious about opening and using Haoxiang Loan.

When applying for Bank of Communications Haoxiang Loan, the bank will open it for the user after comprehensive evaluation, and you need to sign a contract when using it, and set the starting amount and the number of installments; After signing the contract, in addition to real estate consumption, the consumption of the set threshold amount will be automatically used. No consumption is made, no fees will be incurred.

Bank of Communications Haoxiang Loan Installment Handling Fee = Installment Principal Installment Rate, users can decide the number of installments according to their own income, which can be divided into up to 36 installments, and the specific rate and optional installments are subject to the display on the page. The AvaJoy Loan cannot be recycled and will not be reinstated with repayment or returns.

In addition to your own limit, you will be given another limit, which is called the credit limit.

After you participate in the Haoxiang Loan, a single swipe of the card is more than 1,500 yuan, and the credit limit will occupy the quota in this Haoxiang Loan without occupying your own limit, and.

The transaction will be paid in installments (6, 12 or 24 installments).

Example: Your quota is 20,000

Enjoy a loan limit of 50,000

Or you can find it by logging in to online banking.

The remaining loan limit is 48,000And this 2000 will be converted into installments, if.

6 installments, each installment also:

principal) yuan;

If there are 12 installments, each installment also:

principal) yuan;

If there are 24 installments, each installment will be repaid: principal).

of the handling fee) yuan.

<>4. Activate through **, that is, when Bank of Communications invites Bank of Communications credit card holders to open a good loan, operate according to the prompts.

1. The applicant customer initiates an application with Bank of Communications.

2. Bank of Communications accepts the application.

4. Bank of Communications will inform the customer of the audit result.

5. Complete the signing of the good enjoy loan.

6. Bank of Communications gives a good loan limit.

Many users of Bank of Communications have received invitations from Bank of Communications Huimin Loan, and many people feel that the daily interest of 10,000 yuan is very attractive, so they have asked what are the application conditions for Bank of Communications Huimin Loan? Today, I would like to give you a good introduction to this credit loan product of Bank of Communications, as well as the application conditions.

Bank of Communications Huimin Loan Product Introduction.

Bank of Communications Huimin Loan is a personal credit loan of Bank of Communications for wage earners, which does not require collateral and guarantee, and the loan amount can only be used for consumption, not for other purposes such as house purchase and financial management. At the same time, the maximum loan amount of the product is 300,000 yuan, and the loan term is up to 36 months.

Bank of Communications Huimin Loan Application Requirements.

1. The working class has a stable job and income.

2. The current unit has been working continuously for more than six months.

3. Good personal credit record.

4. Hold a savings card of Bank of Communications, and the Bank of Communications will pay wages on behalf of you.

5. Users with mortgage loans from Bank of Communications.

Danliang Tips: Because it is a loan product of the bank, it is certain to check the credit and the credit information, and on the application page of Huimin Loan, there is indeed a letter that I have read and agree to the "Personal Credit Information Inquiry and Provision of Authorization Letter", so it is difficult for users with bad credit to apply for approval.

Bank of Communications Huimin Loan Application Process.

From the Bank of Communications APP, select "Finance" - "Personal Loan", find "Huimin Loan", and click to enter the application page. There are many users who have received SMS and ** invitations from Bank of Communications, and the probability of passing the application is relatively high as long as the credit information meets the requirements.

As a pure credit loan of the bank, the advantages of the Bank of Communications Huimin Loan are very obvious, the amount is large, and the interest rate is low, but the requirements of bank loan products are relatively high, and it will be difficult for users with poor credit, high debts and non-compliance with the requirements to apply. However, if it is a user who is invited, there will be an advantage to apply to a certain extent.