How to apply for BOC 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.

You can log in to Mobile Banking, click "Loan - BOC e-Loan" on the homepage, and if you have a pre-credit line, you can activate the credit limit and apply for the loan.

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

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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.

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Chinese citizens aged not less than 18 and not more than 65 years old, customers with good credit history can apply for BOC e-loan, and our bank will approve it according to your comprehensive situation. In addition, at present, our bank has supported provident fund deposit customers in some regions to apply for BOC e-loan products from our bank, and has connected with a number of provident fund centers, local taxation and social security. For more information, please consult the handling outlets, or enter **customer service manual service, call our customer service**95566 (overseas, Hong Kong, Macao and Taiwan, please call +8610-95566) for consultation.

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

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Bank of China e-loan is a credit loan platform under Bank of China, as a bank loan, the interest is quite low, of course, the threshold is not low, you need to meet the basic application conditions, what conditions do you need for Bank of China e-loan.

1. Credit history: There must be a good personal record, according to the feedback of many users, Bank of China e-loan will check the credit, if the credit is bad, then it is difficult to get this loan.

2. Designated customers: Bank of China e-loan is only open to specially invited customers, so how can I become a special customer of Bank of China? Including but not limited to, customers who have financial assets in the bank, such as deposits, wealth management products, treasury bonds, housing loan customers, private banking customers, can call Bank of China customer service** for details.

The above are the two conditions that must be met for Bank of China e-Loan, and some other identity information, personal financial resources, work income, etc. are not stated, and the pass rate will be different for different users.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqianhua, renamed "Qianhua" 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. Online loans are risky, so you need to be cautious in your choice!

BOC e-Loan Application Requirements:

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 BOC have paid the provident fund for more than 6 consecutive months (at present, the Bank of China has supported customers with provident fund, local tax and social security deposits in some regions to apply for BOC e-loan products);

4. Reach level 06 for wealth customers in BOC.

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.

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What are the conditions for BOC e-Loan?

Wait a minute.

Hello, glad to answer for you! The application conditions for BOC e-loan are as follows: 1. The applicant is a high-quality customer of BOC, such as payroll customers, wealth private banking customers, housing loan customers, provident fund payment and social security tax customers, etc.; 2. The purpose of the loan can only be used for home improvement, car purchase, education, medical care, housing loans, and personal reasonable consumption, and cannot be used for investment or illegal fields; 3. The personal central bank has good credit and no bad credit stains!

You can apply! Hope mine is helpful to you.

Bank of China's high-quality payroll customers, wealth private banking customers, housing loan customers, and social security customers in some regions can activate the "Bank of China e-Loan" through channels such as Bank of China Mobile Banking, Bank of China Micro Banking, and Bank of China Personal Internet Banking. Among them, the operation of Bank of China's mobile banking is more convenient, and the following are the operation steps of Bank of China's mobile banking:

1. Enter "Loans - Bank of China e-Loan" in "Bank of China Mobile Banking".

2. If the page prompts that there is a pre-credit amount, click the "Activate" button, fill in the basic information, select "Repayment Account", the actual provident fund center (optional), etc., and submit the application after being authenticated by the security authentication tool.

3. If there is no pre-credit amount on the page, click "Apply", fill in the basic information, select "Repayment Account", select the actual "Provident Fund Deposit Unit" (required) and other information in the list, and submit the application after being authenticated by the security authentication tool. After the review, the result will be notified by SMS (usually 10-30 minutes can be completed).

4. After the application is approved, you can click "Payment" through mobile banking and personal online banking to withdraw money, so that the Bank of China e-loan will be activated.

The specific opening method of Bank of China e-loan is as follows:

3. After the approval is passed, click on the withdrawal, select the loan purpose, amount and term according to your own needs, and then enter the verification code and dynamic password.

BOC e-Loan Application Steps:

2.After logging in to mobile banking and entering the homepage, find "Loans" and click "Bank of China e-Loan" to appear.

3.Click "BOC e-Loan" to activate according to the prompts, fill in the relevant information to apply, and then you will receive an SMS result from Bank of China about this approval.

Customers who apply for Bank of China e-loan from Bank of China must meet specific conditions, and at present, the product can only be used by invited customers, and can only be used for living expenses, such as people buying **, **, real estate and other investments are not supported.

Extended Information: China Citic Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and changed to its current name at the end of 2005. China CITIC Bank is one of China's national commercial banks headquartered in Beijing.

The main shareholder is CITIC Co., Ltd. Banco Bilbao Vizcaya Argentina (BBVA) spent 100 million euros (about 100 million Hong Kong dollars) to buy a 5% stake in China CITIC Bank, with the option to increase its stake in China CITIC Bank to. On April 27, 2007, China CITIC Bank was listed on the Shanghai ** Stock Exchange.

China CITIC Bank is the seventh largest bank in Chinese mainland, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six banks and three guarantees of Hong Kong's Chinese financial stocks.

In July 2000, China CITIC Bank, as the first bank in China to be certified by the China Financial Certification Authority, officially launched online banking services.

On October 28, 2000, Changsha Xiangcai City Credit Cooperative was changed to Changsha Branch of CITIC Industrial Bank. Comrade Hu Gang served as vice president and presided over the overall work.

In July 2001, China CITIC Bank ranked 318th among the world's largest banks in the UK's ranking by The Banker according to Capital One. In the "Financial Strength Rating" of Moody's, a well-known international consulting firm, China CITIC Bank received the highest rating among domestic commercial banks.

In February 2002, China CITIC Bank Hangzhou Branch was awarded the title of "National Advanced Unit of Financial Civilization Construction" by the Spiritual Civilization Construction Committee of the Financial Working Committee.

In July 2002, the British Banker magazine ranked the world's 1,000 largest banks in terms of Tier 1 capital, and China CITIC Bank ranked 291st, entering the top 300 global banks for the first time.

On May 9, 2020, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission (CBIRC) reported that in March 2020, China CITIC Bank violated the principle of confidentiality for depositors by providing personal bank account transaction details to third parties without the authorization of the customers themselves. Our bureau will initiate the investigation procedure in accordance with relevant laws and regulations, and investigate and deal with it in strict accordance with laws and regulations.

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 qualifications, 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 50%, and the annual interest rate of ICBC's e-loan is calculated according to the 50% increase in the benchmark interest rate of the same grade in the current same period, and generally speaking, the annual interest rate is 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 regarding the application for loans, Chang did not have the saying that credit cards, bank loans, and then online loans are used.

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, 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.

For example, you can directly log in to the "Loan-BOC e-Loan" portal in mobile banking to view the pre-credit line and activate it.

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