Application conditions for small and micro e second loans of China Guangfa Bank

China Guangfa Bank. The main application conditions for small and micro e-second loans are: Chinese mainland citizens with full civil capacity, aged 25 (inclusive) and 65 years old (inclusive); Must be an individual industrial and commercial household.

Responsible person, partner of the partnership, sole proprietorship.

The owner, the legal representative of the limited liability company or the shareholder accounting for more than 10%.

GF Loan e-second loan application conditions:

1.Age: 25-55 years old;

2.Residents of Chinese mainland who have worked for half a year;

3.Have a consistent and stable job income and a good credit history.

The whole application process of GF e-second loan is very simple, you can complete the application information in 1 minute, and you can get the amount of approval in one day at the earliest, and the interest will be calculated on a daily basis, and no interest will be paid when you do not withdraw money.

Previously, when customers applied for loans from banks, they generally needed to contact the relevant staff of the bank or have an account with the bank in the early stage, but the "e-second loan" does not require the customer to contact the bank first, and non-Guangfa Bank customers can also apply.

The application process is very convenient, customers only need to click on the application page of the corresponding product "Confident Loan", spend 3 to 5 minutes to fill in simple information, do not need to scan or submit any written supporting documents, can complete the application process, and get the loan pre-approval amount in 3 seconds at the earliest.

After successfully completing the application, a special person** will contact you within one working day at the earliest; After completing the contract, you can withdraw money on the same day at the earliest.

。The pricing range of GF e-second loan is divided into four levels, different lenders implement different expected annualized interest rates, and the repayment method is equal principal and interest, and the actual annual interest is about about the same, which is a low expected annualized interest rate standard in the same industry.

Extended information: 1. GF e-second loan limit:

Apply for GF e-second loan, the limit range is 50 million to 300,000, and you can enjoy a 5-year revolving quota for one application, borrowing as you go, and calculating interest on a daily basis.

Second, the speed of disbursement.

After submitting the GF e-second loan application, the loan pre-approval amount can be known in as little as 3 seconds. There will be a special person to contact the customer within one working day at the earliest** to arrange the signing of the contract. After that, you can withdraw money on the same day at the earliest.

3. What is the expected annualized interest rate of GF e-second loan?

On the whole, GF e-second loan has a large loan amount, an expected low annualized interest rate, and a slower lending speed than other platforms, but it is okay.

Fourth, let's take a look at the specific loan application conditions:

1. The applicant must be between 25 and 55 years old, hold a second-generation resident ID card, and have full civil capacity;

2. To have a legal and stable job and economic income**, to work in the current unit for more than half a year, and to provide sufficient flow certificates;

3. Have good personal credit, have no bad credit records such as overdue in the past two years, and have the ability and willingness to repay the principal and interest of the loan on time;

4. Have more than 3 months of payment records of provident fund, social security and individual income tax, and meet other conditions required by Guangfa Bank.

5. Introduction of GF e-second loan:

GF e-second loan is a personal consumption credit product that belongs to Guangfa Bank's open application for individuals, and belongs to the operation of Guangfa Bank Co., Ltd. ****, in fact, GF's e-second loan should be no stranger to everyone, some time ago, the official website has sorted out the application operation of another loan product under Guangfa Bank, but the application qualifications and quota of e-second loan are not shared with each other with salary, and it is an independent amount.

GF e-second loan requirements.

GF e-second loan also depends on the qualifications of the individual, the qualification is deeper, it is very easy to pass, of course, the applicant can not have a bad credit record in the Guangfa Bank, otherwise it is impossible to apply, under normal circumstances, as long as the user is between the ages of 25 and 55, and has at least 3 months of provident fund or social security and individual income tax payment records, no bad credit history, it is easy to apply.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

Special note: Withdraw the full amount as soon as possible after the quota is issued, because the risk control is dynamic.

It is best to put forward all the suggestions in demand, and the risk control system will mistakenly think that you don't need the funds very much, resulting in a failed withdrawal. It is prudent to raise at least 60%. After the first installment, early settlement and repayment are supported.

If you have insufficient money to spend or no quota, it is recommended to try the following two platforms, which are also more formal licensed financial institutions! The audit is relatively less rigorous!

360 IOUs can borrow up to 200,000!

Recently, China Guangfa Bank launched the industry's first Internet loan product - "e-second loan", which can accept credit applications from all individual customers. It is reported that the "e-second loan" innovatively uses online to offline, providing one-stop credit services that combine real-time pre-approval of online applications, efficient signing of contracts by offline professional teams, and online self-payment. The loan pre-approval amount can be known in as little as 3 seconds.

Lu Shifeng, general manager of the personal banking department of China Guangfa Bank, said that how to innovate products and services should be guided by customer needs. The core value of the Internet financial model is inclusiveness and speed. The innovative goal of "e-second loan" is to provide the most suitable financing services for the widest range of individual customers.

At present, there is an online lending model in the industry, but it is only open to some of the existing customers of banks. China Guangfa Bank's "e-second loan" is the first online personal credit product in China that is open to the whole society, free of application materials, instant application and instant approval. Existing customers and new customers of GF Bank can directly enter "e-second loan" on the official website of GF Bank to apply for credit loan products.

Take, for example, a personal consumer credit loan application. Customers only need to click on the application page of the corresponding product - "Confident Loan". Customers only need to fill in simple information in 3 to 5 minutes, and do not need to scan or submit any paperwork to complete the application process, and get the pre-approval result instantly**.

After the customer** submits the application, the loan pre-approval amount can be known in as little as 3 seconds. Within one working day after the successful completion of the application, a special person will contact the customer to arrange the signing. After signing the contract, the customer can pay on the same day through electronic channels such as online banking and mobile banking of China Guangfa Bank.

It is reported that Guangfa Bank's "e-second loan" mainly provides personal pure credit loans, ranging from 5,000 yuan to a maximum of 300,000 yuan. According to customer research, the bank has been able to meet the single credit loan needs of most individual customers. At present, "e-second loan" provides pure credit loans to individual customers.

Customers can apply once and enjoy a 5-year revolving quota, which can be borrowed on demand, and the interest is calculated on a daily basis.

Microfinance and consumer finance are the two main focuses of CGB's retail banking business, with personal business loans and personal consumption loans growing rapidly. As of the end of June this year, the loan amount of "merchant card" exceeded 300 billion yuan, providing strong financial support for the development of hundreds of thousands of small and micro enterprises. "Companion Confidence One Loan" is an unsecured credit loan product that fully meets the consumption needs of individual customers, and has been well received by customers since its launch, with a cumulative loan of nearly 20 billion yuan.

While innovating products and services, China Guangfa Bank has never stopped exploring innovative business models for personal finance business.

GF e-Loan Card is not an installment card, and users need to apply for installment if they need to apply for installment after consumption, and will not take the initiative to install. In addition, GF e-Loan Card is free of annual fee for life and does not have supplementary cards. If the e-loan card expires, but the user does not renew it, it is not possible to renew, replace, or reissue the card after that.

This varies from person to person, depending on his credit liabilities and work income.

The borrower is 25-55 years old and has full capacity for civil conduct;

The borrower has a stable working income and has the ability to repay the principal and interest;

The borrower has at least 3 months of provident fund, social security and individual income tax payment records;

The borrower has good personal credit and no bad credit record;

Meet other conditions stipulated by China Guangfa Bank.