Can I continue to apply for Bank of China E loan after it expires?

After the approval of BOC e-Loan, a quota will be created for you, which is valid for 12 months. The credit remains the same for the duration of the credit and the interest rate remains the same. After the quota expires, if the pre-credit line is still displayed on the BOC e-Loan page.

You can resubmit your activation request.

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If you can continue to apply, you can continue to handle it after the normal repayment is completed, but his loan interest is not low, you can look at the loan interest rates of other banks and find a suitable bank to handle it.

Further information: In order to better provide a full range of financial services for the faculty and staff of your school, Bank of China has specially opened a special loan business of Bank of China e-loan with no collateral, no guarantee, low interest rate and fast approval for your school staff to solve the consumption needs of your school staff.

Specific content: unsecured, unsecured, easy to handle at home This business is for your school employees, no need for others to guarantee, no property mortgage, no need to go to the bank for cumbersome procedures, through online banking, mobile banking, ** financial supermarket APP can be easily handled.

The approval amount is high, up to 300,000 yuan.

The loan term is flexible, the loan amount is valid for 12 months, and the borrower can recycle the loan line with a minimum loan term of 1 month.

Your school employees enjoy a low interest rate, with a daily interest rate of only 10,000 per annum, and the interest rate is priced at the lowest rate in the same type of loan industry.

One-second approval, after the quota is activated, you can withdraw at any time, and the withdrawal review will be submitted to the account in one second.

The repayment method can be a lump sum repayment of principal and interest at maturity, or a monthly repayment of principal and principal at maturity, both of which can be repaid in advance. Borrow and repay at any time, no liquidated damages. **Interest will be calculated based on the actual number of days after withdrawal.

What is the general interest rate of BOC e-Loan?

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 rate of Bank of China e-loan is not high.

Compared with micro loans and borrowings with relatively low interest rates in private loans, Bank of China e-loans have greater advantages.

According to the official publicity, the general daily interest rate 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 = ;

It can be seen that the annual interest rate of Bank of China e-loan is much lower than that of private loan, the loan cost is small, and the interest is very cheap.

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 relatively low levels, if there are conditions, it is recommended to give priority to bank loans.

Bank of China Bank of China e-Loan early repayment.

You can repay the loan in advance, and the repayment supports partial principal withdrawal and early repayment and full principal repayment. When you repay a partial repayment, you can enter the principal amount you want to repay, and the system will automatically calculate the interest accrued up to the early repayment date, and the unpaid part of the loan principal will also be calculated and deducted at the time of early repayment.

The calculation of early repayment is as follows: the loan balance at the time of early repayment.

Number of days borrowed * interest rate on the day of borrowing (the annual interest rate shown to the customer.)

360), for example, the customer's loan balance is 100,000 yuan (annual interest rate 6%), the loan term is 3 months, and the loan is repaid 20,000 yuan in advance when borrowing for 30 days, and the interest generated by early repayment = 100,000 (loan balance at the time of repayment) * 30 (number of days borrowed) * 6% 360 (daily interest rate).

Interest will still accrue on the remaining principal after early repayment at the original interest rate.

You can make an early repayment as many times as you like.

The above content is for your reference, and the business regulations are subject to the actual Jiehankai.

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Summary. Hello, Bank of China Bank of China e-loan can be overdue for 1-3 days, and the credit record will be reported if it is exceeded.

Hello, Bank of China Bank of China e-loan can be overdue for 1-3 days, and the credit record will be reported if it is exceeded.

Because I took out an e-loan in Bank of China, I took out a loan of 120,000 yuan, and I will repay the full amount the day after tomorrow, but I don't have that much, and I want to know how long it can be overdue.

Hello, you can only pick up the difference for 3 days, because Bank of China only provides a 3-day grace period. If the repayment is not made within 3 days, the bank will charge penalty interest and liquidated damages, which are generally 5% of the unpaid part of the minimum repayment.

How long can it be overdue???

Hello, it is 3 days later, the post-90s will be prosecuted. After the loan is overdue and exceeds the repayment grace period, it will be uploaded to the central bank for credit information. Generally, lending institutions will provide borrowers with a certain grace period for repayment, and if the borrower finds that the loan is overdue, he can only settle the loan within the grace period to avoid affecting his personal credit history.

If the repayment grace period is exceeded, the loan overdue record may be submitted to the ** bank credit information database, different banks have different regulations, not all banks have a grace period.

Do you want to ask about reporting a credit report, or if you are being sued?

Can it be overdue for half a year? That way I can go working capital in three months! Even if you pay liquidated damages every month during this period.

Hello, no, there will be overdue records, and the bank will not lend you money in the future.

I'm overdue, don't I have an overdue record.

Yes, and if you have a credit record, all banks will not give you a loan.

The day after tomorrow I will be the first day of overdue, I want to know if I will be prosecuted or imprisoned in the next time? Because I negotiated with the bank today to defer the repayment, but it was rejected due to the lack of materials.

Hello, how soon can you put it on? And then there is a negotiation with the bank?

I expected it would take three or four months to repay the loan of 120,000 yuan, but I negotiated with the bank today and did not approve the extension.

Hello, you won't go to jail, but you will be sued by the bank for more than 90 days, do you have an RV in your name?

The term of BOC e-Loan is one year, and you can withdraw and repay the loan as much as you like within the quota period, and you can also withdraw the loan on the maturity date of the quota, and the maximum term of any single withdrawal is 12 months. After approval, a quota will be created for you in the core system, and the quota will be valid for 12 months.

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

Handle related business.

The term of BOC e-Loan is one year, and you can withdraw and repay the loan as much as you like within the quota period, and you can also withdraw the loan on the maturity date of the quota, and the maximum term of any single withdrawal is 12 months.

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

Handle related business.

Summary. Hello dear<>

Bank of China e-Loan can be overdue for one day. Because BOC e-Loan is a standard bank loan product, the consequences of overdue are very serious. If you are overdue within 3 days of Bank of China e-loan, then you don't need to worry about it, and it will generally not affect your credit information.

However, overdue records can affect subsequent loans, including credit lines and interest rates. For friends who are overdue for more than 3 days, it is more dangerous, and the overdue record of Bank of China e-loan is likely to be reported to the central bank's credit system. Once there is a stain on the credit report, the future housing loan, car loan, and business loan will be affected, and it will affect for 5 years.

How long can Bank of China e-loan be overdue?

Hello dear<>

Bank of China e-Loan can be overdue for one day. Because BOC e-Loan is a standard bank loan product, the consequences of overdue are very serious. Overdue within 3 daysIf you are overdue within 3 days of BOC e-loan, then you don't have to worry about it, and it will generally not affect your credit investigation.

However, overdue records can affect subsequent loans, including credit lines and interest rates. For friends who are overdue for more than 3 days, it is more dangerous to sue Liang, and the overdue record of Bank of China e-loan is likely to be reported to the central bank credit system. Once there is a stain on the credit report, the future housing loan, car loan, and business loan will be affected, and it will affect the socks for 5 years.

I took out a loan of 170,000 yuan on e-loan, and I repaid it on the last day today, and the funds can't be transferred today, and I will repay it tomorrow.

The bank will give you a one-day grace period.

Plus today and Sunday, generally there will be no overdue credit investigation.

Good. It's going to be on the credit bureau in more than a day, right?

Yes, more than one day will be on the credit report.

If it is determined that you are overdue, you can go to the bank to explain.

However, if you go to the bank to explain, you must not say that it is due to personal reasons that the funds have not arrived.

Bank of China e-Loan can be borrowed and repaid at any time, allowing you to withdraw and repay at any time within the limit amount (no early repayment is allowed on the borrowing date of a single loan). Multiple withdrawals can be made under the quota, and a single loan can be repaid in advance, and there is no early repayment fee except interest. After early repayment, under normal circumstances, the quota can be restored on the same day, if the quota is not restored on the same day, you can check it again the next day, if it is not restored, you can call the official customer service of the Bank of China **95566 for consultation.

When the quota expires, the unexpired loans under the quota can continue to exist, and the repayment card bound to your bound repayment card will be automatically deducted until the loan maturity date, but no further withdrawal can be made after the quota expires.

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

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