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It is recommended to take out loans through formal channels to avoid rolling profits to the point that they cannot be repaid and being deceived.
And there is no handling fee for bank loans, and customers will not be asked to pay a deposit first. We hope that customers will carefully screen and beware of fraud.
ABC will have different loan policies for different loan purposes, please consult the local ABC for details.
At present, ABC provides services such as salary loans and online quick loans for small consumer loans.
Netfast Loan refers to a small-amount consumer loan issued by ABC to individual customers of ABC who meet specific conditions, and is self-applied for, quickly received, and self-serviced.
"Salary Loan" is a RMB loan issued by the Agricultural Bank of China to high-quality customers with good credit standing in the form of credit, with personal stable salary income as the guarantee of repayment, and used to meet consumer needs. Salary loans shall not be used for purposes prohibited by relevant national laws, regulations and credit policies.
At present, the NetJet Loan can be applied through personal online banking and mobile banking (currently only supports the second-generation K-Treasure customers), which can be automatically approved and quickly received.
If you have an ABC savings card, you can log in to the mobile banking and click "All Online Rapid Loans Apply Now", or log in to Personal Online Banking and click "Loans Online Rapid Loans Apply Now" to enter the application page.
The maximum loan amount is 300,000 yuan, and the minimum loan amount is 3,000 yuan; The specific quota of the customer will be approved according to the customer's business situation in ABC. The term of the loan is not more than one year, and the loan can be repaid in advance.
NetJet Loan Loan Object:
1) Customers who have not paid off their personal housing loans (hereinafter referred to as "housing loan customers").
2) Customers who pay the housing provident fund on time (hereinafter referred to as "provident fund customers").
3) Customers who pay social insurance on time (hereinafter referred to as "social insurance customers").
4) Payroll customers of our bank (hereinafter referred to as "payroll customers").
5) Other customers who meet the conditions of the Bank and hold a debit card of the Bank (hereinafter referred to as "Debit Card Customers").
If you need to use the cash overdraft urgently, it is recommended to try to apply for an ABC credit card. If you are at least 18 years old, have a good credit history, and have legal, sufficient and stable income or assets, you can try to apply.
The necessary application materials include identity documents and proof of income, and if you can provide more proof of repayment ability, it will be helpful to apply for a higher amount.
If you are a mobile banking or personal online banking customer of ABC, you can apply through online banking or mobile banking. The processing time is about 7 working days.
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It is suitable for online loans.
As long as you have a fixed bank statement at work.
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Minors are not allowed to apply for a loan through our counter, if you have a supplementary credit card of our bank, you can try to apply for a cash advance.
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You go and take out a loan with money, you can get a loan.
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Private loan, I can lend to you.
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Requirements for applying for a small loan:
1. Be a resident of Chinese mainland who is at least 18 years old;
2. Have a stable address and place of work or business;
3. Have a stable income**;
4. No bad credit record, the purpose of the loan cannot be used as **, gambling and other behaviors.
5. Other conditions required by the bank.
Micro Loan Application Process:
1. Submit an application to a local bank or lending institution;
2. Prepare all kinds of materials required for loans;
3. Interview with banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successfully disbursed.
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It is recommended that you choose formal channels for borrowing, such as bank channels;
If you apply for a small loan of less than 50,000 yuan, you can log in to our mobile banking first, click "My" - "All" - "Loan" - "I want to borrow money" to try to apply through this interface, or log in to Pocket Life to apply for credit card borrowing, which is subject to the review result.
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If you have difficulty finding a bank, you will not have difficulty finding a bank.
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Loan software can be applied.
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It is possible to apply for a small loan from the bank.
Application Materials. 1. Provide personal identity certificate, which can be ID card, residence permit, household registration book, marriage certificate and other information;
2. Provide proof of stable address, housing lease contract, water and electricity payment bill, property management and other related certificates;
3. Provide proof of stable income**, bank statement, labor contract, etc.
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I can do something that is not so good, there is an upfront.
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It doesn't seem to be, it's generally a lot of information, and it's slow. A friend of mine went to apply for a loan for more than 20 days and didn't come down, which was very troublesome.
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If you need to apply for a small cash loan, China Merchants Bank has a flash loan business, which can be applied for through mobile banking or check whether you are eligible to apply.
1. After the flash loan is disbursed, cash will be issued in the designated account, and the funds can only be used for normal bulk consumption and transfer, and cannot be invested, flowed into **, real estate and other directions.
2. If you have a CMB savings card, you can log in to the mobile banking and click "My All Borrow Money Flash Loan" to apply for a flash loan. Your specific quota will be approved according to your business situation in China Merchants Bank, and you can view it if your application is successful.
3. The provisions on the amount of flash loans are different for different types, and the maximum credit line is not more than 300,000 yuan, which is subject to the display on the loan page. If you have been eligible for a flash loan, you can log in to the "Flash Loan" module of China Merchants Bank mobile banking app or online banking to check your maximum application amount, with a minimum withdrawal amount of RMB 1,000 and a maximum of the quota amount, and an integer multiple of 1,000.
4. There are two types of loans that can be applied for within the flash loan limit:
1) 15 minutes loan disbursement will be automatically approved within 5-10 minutes, and the loan will be disbursed immediately after approval, and the result will be notified by SMS.
2) Loan disbursement on T+1 day, there will be a call from the electric core ** to verify within T+1 day, and arrange the loan after confirming the information. If you do not answer the contact 3 times, the application will fail and you will need to apply again.
When the amount of flash loan is established, there will be a check record on the credit report. If you only successfully establish a quota but do not withdraw money: there will be no quota record in the credit report; For each subsequent withdrawal, there will be a loan record in the credit report.
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Find a safe and credible guarantee department.
Formal enterprise: business license, legal representative, tax registration, organization ** certificate, application conditions: 1, with Chinese nationality (excluding Hong Kong, Macao and Taiwan residents) 2, check-in monthly income of not less than 2,000 yuan, work and live locally.
3. The current unit is a formal registered employee and has worked for 6 months.
4. 10-15 times of the monthly income of the general loan.
5. White households must punch in and pay more than 3,000 yuan (social security and provident fund must be the same) or enterprises, institutions, and civil servants do not.
Social security, provident fund.
Preparation materials: 1. ID card (second generation).
2. Work card, work card, social security card, provident fund card.
3. ** water in the past six months (valid within 10 days).
4. Proof of address (such as lease contract) + invoice for water, electricity, gas and fees within 1 month, if the unit issues the address certificate or the village committee.
Proof of address does not require an invoice.
5. House book or purchase contract.
6. Proof of income.
7. Credit report (at present, customers do not need to be provided, and the product department will take customers to play later, depending on the bank, the maximum charge may be 100 yuan).
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Go ask the bank staff.
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