How to use Bank of China e loan and what is BOC e loan?

Please be aware that BOC e-Loan can only be used for personal legal and reasonable consumption expenditures, and shall not be used for investment**, ** and other investment purposes. You can apply for BOC e-Loan through BOC Mobile Banking "Loan - BOC e-Loan".

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

Handle related business.

1. Product description.

Bank of China uses the Internet and big data technology to provide full-process credit consumer loan services for high-quality payroll customers, wealth private banking customers, housing loan customers, and customers who have paid provident fund, social security and taxation in some areas, so that they can enjoy the convenience and efficiency of application, approval in seconds, real-time withdrawal and flexible repayment without leaving home.

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

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

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 non-declared purposes and personal expenditures prohibited by laws and regulations.

4. How to use: The credit line can be recycled 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.

2. Handling process.

3.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 be credited to the account immediately after the withdrawal is successful.

Extended information: With the development of the market economy, enterprises, companies or individuals have an increasing demand for loans, but there are still many things that are not clear about loans for us ordinary people. Here is a summary of some basic financial knowledge of loans, and everyone can learn from each other.

Lending seems to be a simple matter, just ask someone else to borrow money and then repay the money plus interest. In fact, lending is a very professional and technical job, and if you don't know a little about finance, it's easy to get a loan that isn't what you want. In order to help you better learn and understand loan-related knowledge, we summarize ten basic knowledge of loans.

1. What are the common forms of loans, and what are the characteristics and advantages of each?

There are two types of loans: "credit loans and mortgage loans".

2. What is the difference between "lender" and "borrower"?

In the act of lending, most people do not know what a "lender" and a "borrower" are.

Lender: refers to a person or financial institution that uses credit funds or its own funds in lending activities to issue loans to borrowers, generally referring to commercial banks and central banks.

Borrower: refers to an enterprise, institution or individual that borrows monetary funds from a lender with its own credit or property as a guarantee or a third party as a guarantee in credit activities.

To put it simply, when you borrow money from a bank, you yourself are the borrower, and the bank is the lender.

Bank of China e-Loan is a personal online consumer loan launched by Bank of China, so it is both an online loan and a consumer loan. The feature of online loans is that the whole process of online application is not required. The characteristic of consumer loans is that the loan amount can only be used for consumption, and once the loan funds are used in violation of regulations and are detected by Bank of China, Bank of China can require users to repay Bank of China e-loans in advance.

In addition, users need to apply for BOC e-Loan through a genuine channel, so as to ensure the authenticity and security of the loan.

Bank of China Consumer Finance mortgage loan is a mortgage loan. Bank of China's consumer loan is a small loan bank installment repayment business. This type of loan is a loan product promoted by Bank of China in Suzhou, which is a secured personal consumption loan product with a maximum loan amount of 20 million yuan and a maximum loan term of 10 years.

Syndicated loans are also known as "syndicated loans". Led by one or more banks that have been approved to operate loan business, a banking group composed of a number of banks and non-bank financial institutions in Hechun adopts the same loan agreement to provide financing to the same borrower in accordance with the agreed terms and conditions, and the products serve large and medium-sized enterprises, enterprise groups and national key construction projects with huge capital needs. There is a need for a banking group when the amount of money sought by a borrower is so large that no single bank can afford the credit risk of the borrower.

Users in the syndicated loan market are borrowers who seek substantial financing in the bank loan market. According to the different ways of organization of syndicated loans, they are divided into direct syndicated loans and indirect syndicated loans. No ruler.