Bank of China Mobile Banking changed the repayment account of Bank of China E Loan

Customers can use Type II accounts as withdrawal accounts and repayment accounts for BOC e-Loan. The withdrawal amount and repayment amount are not subject to transaction limits. Type II Account Opening Process:

1) Customers can open a Type II account (i.e. BOC e-wealth account) through mobile banking**: click "Electronic Account Opening" at the bottom right of the login page of mobile banking to enter the account opening process. After completing the account opening, the Type II account will be automatically linked to Mobile Banking and Internet Banking, without the need for customers to go to the counter to do so.

2) Customers log in to WeChat, follow "Bank of China WeChat Banking"***, click "Micro Finance" - "My Loan" - "Bank of China e-Loan Application", click "Not yet a BOC online banking or mobile banking user, please click **Open an account" to open a Type II account. (3) Clients can also open Type II accounts over the counter.

Extended Materials. 1. What are the application requirements for BOC e-Loan?

If you meet one of the following conditions, you can apply for BOC e-Loan:

1. The applicant must be a payroll user of Bank of China, and the salary must be paid continuously for at least 6 months;

2. The applicant is a mortgage customer of Bank of China, and has repaid the mortgage with Bank of China for 24 consecutive months;

3. The depository unit connected with Bank of China has paid the provident fund for more than 6 consecutive months;

4. Reach the wealth level of 6 or above within Bank of China.

2. What are the application requirements for Bank of China e-loan?

1. Good credit: Since Bank of China e-loan is a pure credit loan, the requirements for credit investigation are relatively high, and there can be no overdue in the past 2 years, which includes various types of overdue such as your credit card, online loan or housing loan.

2. The number of online loans: There are a lot of Internet loans now, and we should control the online loans within 2, because the number of online loans is too much, which will not only increase the debt ratio, but also make the credit spent, so try to borrow as little as possible.

3. The number of inquiries: the number of credit inquiries can not be too much, there may be many people who will ask, what is this "too much", generally speaking, the number of inquiries within half a year is more than 10 times, it is easy to be rejected. So don't apply for a credit card casually, and don't mess with online loan applications.

4. Reduce the debt ratio: The debt ratio is an important indicator to measure whether a person repays, many people can't review it, most of the reasons are that the debt ratio is too high, and the debt ratio is simply the ratio of your credit card and various loans to your monthly repayment and your income, which is best controlled within 50%.

5. Pay wages on behalf of others: have a housing provident fund, and have paid for more than one year, and at the same time, must be a customer of Bank of China who pays wages on behalf of the bank, and the salary flow of other banks is not good.

Please log in to BOC Mobile Banking, go to "Home - Loans - My Loans (or search for "My Loans" directly on the homepage)" and select BOC e-Loan - enter the loan details page and click the three dots in the upper right corner - Change Repayment Account".

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

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In "Loan Management - Loan Repayment - Change Repayment".

On the "Loan Account" page, select the "Change Repayment Account" operation corresponding to the corresponding loan account; On the "Please enter to change repayment account information" page, select another repayment card number and account number that has been associated with online banking, select the authentication tool, and click "Next". Sign the "Customer Authorization", authenticate the security tool (BOC e-Order + mobile phone transaction code), and "Confirm" the submission.

1.The repayment account can be a debit card or a current account linked to online banking.

2.It is recommended that you change the loan repayment account between 9:00 and 20:00, and all personal loans can be changed.

3.If the account change is made on the repayment date, the repayment account number before the change will still be used for the repayment on the same day. To ensure successful repayment, please do not change your repayment account on the repayment date.

BOC e-Loan is a revolving loan, the validity period of the loan amount is 12 months, and the user can borrow and repay at any time during the limit period, and there are two main repayment methods:

Mobile banking repayment: Directly ** and log in to the "Bank of China Mobile Banking App", find "My Loan", you can display the relevant information of personal loans, and users can repay directly through mobile banking;

Repayment over the counter: Bring your personal ID and loan contract to the counter of Bank of China outlets to complete the repayment procedures.

Extended information: 1. The repayment method of Bank of China e-loan is related to the loan term, and after the loan term is selected, the repayment method will be set by default by Minzhao system. The term of the loan is 1-3 months, and the repayment method is a lump sum repayment of principal and interest when due; The term of the loan is 4-12 months, and the repayment method is monthly interest repayment and principal repayment at maturity.

Therefore, users can choose the loan term according to the repayment method. In general, both repayment methods require users to have strong repayment ability, and users need to repay the principal in a lump sum in the last installment.

2. Borrowers can log in to Bank of China's mobile banking and online banking to repay actively, and can also wait for batch deductions. When deducting in batches, you need to deposit enough funds in the repayment account, and the general banking system will deduct the loan in batches before 5 a.m. and 5 p.m. on the left bridge and on the right.

3. There are many ways to repay the e-loan of Bank of China, which can be repaid by credit card or Alipay. There is no restriction on the choice of e-Loan. You can choose the right solution according to your needs.

Debit cards are also a type of bank card, which can be bound as long as there is a repayment function. Open the homepage, click Bank of China e-Loan, complete the registration as required, and bind the debit card of Bank of China at the same time. Once you have successfully registered, click Activate.

To successfully activate, you need to fill in the **Sign Agreement and submit the loan application at the same time. After the online review is passed, click Withdraw. Pay attention to select the loan purpose, amount, and term, enter the mobile phone number and dynamic password, and the loan amount will reach the bound Bank of China debit card.

Once the repayment account is changed, the system will automatically take effect the next day. It is recommended that you do not change your account close to the repayment date, and if you must do so, you should make the repayment account after making active repayment through BOC Personal Mobile Banking and other channels.

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

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Once the repayment account is changed, the system will automatically take effect the next day. It is recommended that you do not change your account before the repayment date, and if you must do so, you should make the change of your repayment account after making active repayment through channels such as personal mobile banking.

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

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