What is the wonderful loan of Guangfa Bank, and can I apply for the wonderful loan if there is a quo

China Guangfa Bank. Wonderful loan is a kind of loan product provided by Guangfa Bank to those who are in short supply, because Guangfa Bank is a banking institution that ordinary people are familiar with, so Guangfa Bank wonderful loan is a more formal and safe way to lend. However, as a large-amount consumer credit product, China Guangfa Bank's wonderful loan also has relative problems.

1. The basic situation of Guangfa Bank's wonderful loans.

Guangfa Bank Wonderful Loan is a kind of personal credit loan promoted by Guangfa Bank.

However, it is not an ordinary bank credit card service that is a daily overdraft credit card installment repayment. Guangfa Bank Wonderful Loan is calculated on a daily basis, with equal principal and interest.

Repayments are made on the 10th of each month. The approval process of Guangfa Bank's wonderful loan application is relatively fast, and it is in personal credit.

If the record is good, you can get approval in 10 minutes and get the next payment in 2 hours. This provides convenience for borrowers who need to use funds urgently.

Second, the problem of Guangfa Bank's wonderful loans.

Through online information inquiry, there are also some problems in the lending of Guangfa Bank's wonderful loan. Some users say that they can make prepayment in the clear.

However, when you have enough funds to repay the loan and find that you cannot make a prepayment, you can still only repay the loan every month and pay the monthly interest. There are also some users who have reported that the repayment amount of the first month is different from the repayment amount of the following month, and there is a situation of preferential repayment in the first month to confuse the true amount of the user's repayment amount. From the above point of view, there are also problems in the wonderful loan of Guangfa Bank that need to be paid attention to.

3. Matters to be paid attention to when borrowing.

When borrowing, the borrower should pay attention to the Internet and other channels to understand whether the filing and registration of the lending platform is safe and legal. Also be aware of the interest rate of this lending product.

Whether the individual can bear it, so as to avoid the situation that the personal credit black spot cannot be returned. Before borrowing, you should consult a lawyer to see if there are any traps in the contract to further protect your interests.

To sum up, Guangfa Bank Wonderful Loan is a loan product promoted by Guangfa Bank, with higher interest rates. When borrowing, the borrower should carefully understand and think before borrowing.

Not necessarily, because there is a quota that may not be able to make a payment. When the user submits the loan application, the lending institution will decide whether to lend money to the user according to the actual situation of the user. Therefore, if the loan page has a credit line, but the user fails to pass the system review, there will be a situation where the credit limit cannot be borrowed.

Application conditions for China Guangfa Bank's wonderful loan:

1. There is an age limit for applicants, who must be between 18 and 65 years old.

2. You must have a local household registration certificate, and if you are a non-resident population, you need to provide a valid residence certificate as a supplement.

3. Have a stable income so that it can be used to ensure that you have the ability to repay.

4. Must have a good credit card usage record.

5. Other legal conditions stipulated by the bank.

China Guangfa Bank loans can be lent only if the conditions are met.

A regular loan limit is a form of loan that is bound by an informal agreement. Based on the seasonal and regular nature of capital demand, the enterprise enters into an informal agreement with the bank to stipulate a maximum amount of loan to the enterprise by the bank within a specified period, and the enterprise can obtain bank loans at any time within this term and loan amount.

When applying for a loan line, the enterprise must explain the financial status before the loan to the bank, and the bank will decide whether to extend credit and execute the agreement according to the credit status of the enterprise and its own operational requirements. A standby loan commitment is a loan in the form of a more formal and legally binding agreement. The enterprise signs a formal loan agreement with the bank, and the bank promises to provide the loan to the enterprise within the specified term and limit, and requires the enterprise to pay a commitment fee to the bank.

Lenders need to guard against fraudulent lenders, the tricks of ** are very simple, and there are a few points that can be summed up simply:

1) The conditions of the lending requirements are very low, and there are no collateral and no other requirements. It can be said that you can give you a loan as long as you want.

2) The lender does not dare to disclose his company's name, cannot provide the company's business license or the company has no investment business scope, cannot provide formal contract text and invoice, and does not even give you a fixed **, all you know is a mobile phone from the other party, and you can't even see the other party's face.

3) Before the loan is credited to your account, you will be charged so-called travel expenses, interest, handling fees, lawyer fees, etc., anyway, you will be asked for money, and they will not pay attention to you after the fraud.

In fact, you have a loan in each bank is almost the same, the information you need to provide can be said to be the same, I personally think that if you can provide real estate as a mortgage, it is recommended to Bank of China, because Bank of China has a kind of loan, you can provide real estate after the amount is approved, you can borrow and repay at any time, valid for 10 years, that is, within 10 years, you will take out a loan if you need it, and after repayment, you can continue to borrow if necessary.

China Guangfa Bank. The main differences between the wonderful loan and the Caizhi Gold are:

1. Wonderful Loan is a large-amount consumer credit product; Caizhi Gold (Reserve.

It is a credit Xiaoling card service for cardholders to overdraft transfer and repay in installments.

2. Wonderful loan is calculated on a daily basis, with equal principal and interest.

Monthly repayment (6 12 18 24 36 installments), daily interest = daily interest rate on the remaining outstanding principal; As for Caizhijin, after the cardholder applies for a cash advance from Guangfa Bank, he can repay the loan in monthly installments by paying a certain handling fee (the number of installments can be applied for 3 6 12 18 24 installments, and the handling fee rate for each installment is 3 installments, and the rest are.

3. After the successful application of the wonderful loan, the repayment date is the 10th of the next month (except for the last installment, the repayment date of the last installment is the corresponding date of the loan date), and there is no charge for early repayment; Early repayment of Caizhi Fund.

In addition to repaying the remaining outstanding principal in a lump sum, you will also need to pay a liquidated penalty of 3% of the remaining outstanding principal in installments.

4. After submitting the application, the approval can be completed within 10 minutes, and if the approval is successful, the borrowed funds will generally arrive at the designated bank account within 2 hours; As for the successful arrival time of Caizhi Gold, the account of the bank will be transferred within 2 days, and if it is transferred to the account of other banks, the account of less than 50,000 yuan will also be received within 2 days; 50,000 and above will be drawn within 2 working days.

Further information: 1. In July 2011, China Guangfa Bank restarted the business of Caizhi Wangjin.

China Guangfa Bank (formerly Guangdong Development Bank.

In order to restrain illegal cashing out of credit cards, the credit card center launched Caizhijin for the first time in the country"Business. "Caizhi Gold"The business is a special provision for cardholders by the Credit Card Center of Guangdong Development Bank""Emergency Reserve"Completely unsecured and unsecured, credit cardholders with good credit history can apply for a cash advance from the credit card center of China Guangfa Bank.

Applications less than 10,000 yuan will not be accepted for 6 installments.

2. Application. Easy to apply: Call GF Credit Card Center** to apply orally; No written formalities are required, the minimum application amount is 2,000 yuan, and every 1,000 yuan is a file, after successful approval, the money can be directly transferred to the designated domestic bank savings account under the same name of the cardholder for the cardholder to withdraw and use, and domestic and foreign banks and overseas accounts will not be accepted for the time being (a one-time remittance fee will be deducted from the customer's credit card when transferring: 10 yuan for the bank's remittance and 20 yuan for inter-bank remittance).

Cardholders can choose to repay in interest-free installments in 24 installments (each installment is interest-free, and the handling fee for each installment will be charged according to the principal.)

So-called"Caizhijin innovates financial products.

It means that the principal cardholder who has used the GF dual-currency or RMB single-currency credit card for more than 3 months and has a good card usage record can apply to Guangfa Bank for a certain amount of cash advance; After successful approval, the corresponding funds will be directly transferred to the applicant's other bank savings account under the same name. It eliminates the need for cardholders to withdraw cash from overdrafts, daily interest and illegal cash-out with credit cards.

Relatively speaking, it is still reliable, but it is also necessary to pay attention to cautious operation. Preferential bank direct loan is actually a bank direct loan company, the operation model is to connect customers at one end, and connect with banks at one end, so that customers can directly handle their own loan business from the bank on the direct loan platform, which is a small loan company relying on bank credit to handle business, and the security is guaranteed, but the interest rate is relatively high, and the loan should be borrowed from the bank as much as possible, with high security and relatively low interest rate. The quality loan will be repaid in installments, 12 installments, the repayment date will be notified in advance, there is no need to worry about late repayment, the whole application process is also very simple, no mortgage and guarantee are required, and no need to submit information, in short, can help you have a safe and reliable loan platform.

For reference only) Extended Information: Preferential Loan is a kind of high-quality loan launched by the Postal Savings Bank for employees of high-quality units. Formal employees of administrative institutions, ** enterprises and their subordinate enterprises, or formal employees in industries such as finance, electric power, telecommunications, ports, salt industry, refining, tobacco, etc.; Except for home loans and credit card overdrafts, there are no other debts that can meet these conditions, and those who can meet these conditions can apply.

Application process for Prestige Loan:1First of all, the units that meet the requirements to apply for the preferential loan of the Postal Bank shall apply to the Postal Bank of China by the leaders of the units.

2.The bank will have a special handling staff to handle it. 3.

Applicants need to provide ID card, fill in the "Loan Application Form", "Credit Inquiry Authorization Letter" and "Provincial Inquiry Authorization Letter"4After the completion of the process, there will be an SMS notification of whether the review is passed.

Note: A minimum of five people are required to form a group to apply for each application, and users who have already handled it cannot apply again. The maximum loan term of the Postal Bank Preferential Loan is 5 years, and the disbursement period of the quota shall not exceed 30 months, and the quota can be recycled.

Features: 1The procedure is simple, you only need to provide your ID card and proof of income. 2.Revolving credit, which can be borrowed and repaid at any time. 3.The quota is high and the term is long. 4.Credit Guarantees.