What should I do if I fail to apply for Bank of China E Loan?

After submitting the activation application, the system will use your latest bank data and PBoC's credit information.

External data such as reports are automatically approved and cannot be manually intervened. There are various reasons for rejection, and this reason is in your mobile banking.

or online banking can be found. The data is updated every month, and if you still have a pre-credit line after the update, you can re-initiate the activation request.

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

Handle related business.

What should I do if I fail to apply for Bank of China e-Loan?

1. Credit history.

Must have a good personal record, according to the feedback of many users, Bank of China e-loan will check the credit, if the credit is bad, then it is difficult to get this loan.

2. Specify customers.

BOC e-Loan is only open to invited customers, so how can I become a special customer of BOC? Including but not limited to, customers who have financial assets in the bank, such as deposits, wealth management products, treasury bonds, housing loan customers, private banking customers, can call Bank of China customer service** for details.

The application steps of Bank of China e-loan are relatively simple, and two conditions must be met if the application is successful, and some other identity information, personal financial resources, work income, etc. are not stated, and the pass rate will be different for different users.

How to apply for Bank of China e-loan.

BOC e-Loan Application Process: 1. Scan the official website ***** "** Financial Supermarket" APP, click "BOC e-Loan", register and bind BOC debit card; 2. Click Activate, fill in the contact information and sign the agreement before submitting the loan application; 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.

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.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

Not easy. The application for Bank of China e-loan is not as easy to pass as imagined, you still need to meet certain conditions, and personal qualifications are good to be expected to apply for a successful loan, otherwise the possibility of being rejected is very great! Criteria need to be met:

1.Good personal credit.

Since Bank of China e-loan is a pure credit loan product, the user's personal credit should be relatively high, and there should be no overdue for at least the past two years, otherwise the loan will be rejected. Therefore, friends who want to apply for Bank of China e-loan must maintain their personal credit.

2.Control the number of online loans.

Nowadays, there are many online loan products, and some of them can be successfully paid as long as they submit personal information, so many people begin to apply for loans at will, but they don't know that this will affect their future loan application results. If you want to apply for Bank of China e-loan, then you must control the number of online loans within 2, because too many online loans will not only increase the debt ratio, but also spend the credit information, so you need to control the number of loan applications, or settle most of the online loan products before applying for loans.

3.Reduce personal debt ratio.

The debt ratio is an important indicator to measure whether a person has the ability to repay, and many people are rejected for loans, most of which are caused by the high debt ratio. To put it simply, the debt ratio is the ratio of the borrower's credit card and various loans to the monthly repayment amount and income, and it is best to control it within 50%, so that the loan application can be successful.

4.Do not meet the loan application requirements.

Bank of China e-loan requires the borrower to have a housing provident fund, and the deposit time is more than one year, and at the same time, it must be a payroll customer of BOC. Therefore, if you do not meet the conditions for applying for a loan, then you will not be able to apply for a loan.

In short, the application for Bank of China e-loan is not as easy to pass as imagined, you still need to meet certain conditions, and you are expected to apply for a loan successfully if you have good personal qualifications, otherwise the possibility of being rejected is very great!

Good application. BOC e-Loan adopts a whitelist invitation mechanism, and only invited customers can apply for BOC e-Loan loans. From this point of view, it is still relatively difficult to apply for Bank of China e-loan.

However, according to the regulations of Bank of China, as long as the Bank of China pays salaries on behalf of customers, pays wages on behalf of Bank of China for more than 6 months, repays housing loans in Bank of China for more than 24 consecutive months, pays provident fund in Bank of China for more than 6 months, and reaches level 06, wealth customers can apply for Bank of China e-loan if they meet any of the conditions. Since it is a credit loan product, there are naturally certain requirements for personal credit reporting, and if there is a bad credit record, it will not be able to apply for approval.

Extended information: Bank of China e-loan does not require collateral guarantee, up to 300,000 yuan. The loan can be used for personal legal and reasonable consumption expenses such as home improvement, car purchase, education, medical care, etc., and shall not be used for personal expenses that are not declared or prohibited by laws and regulations.

During the validity period of the credit line, it can be recycled and repaid at any time, and the interest on the loan will be calculated on a daily basis according to the actual number of days used.

Bank of China e-Loan will check the applicant's credit record, if the applicant's credit report has a large number of overdue records, it will affect the pass rate; If you want to open BOC e-Loan, you must be a special user of Bank of China, such as those who have purchased wealth management products of Bank of China or have deposits and transactions with Bank of China, and are customers of Bank of China Housing Loan.

At present, Bank of China e-loan adopts the repayment method of borrowing and repaying, which is generally calculated on a daily basis, and the specific amount depends on the applicant's qualifications, and the lowest annual interest rate is. However, many small partners have been rejected when applying for Bank of China e-loan, in fact, there are some skills that may be referred to when applying, and the following will summarize a few tips for you: check whether the quota you have has been used up, if it shows that the quota has been used up, it can no longer be approved; The applicant must be an invited customer of Bank of China, if not an invited customer, the probability of approval is relatively low; Maintain a good personal credit record, Bank of China e-loan will check the credit, if your credit is not good, there is a high possibility of rejection.

Reasons for the failure of Bank of China Bank of China e-loan approval:

After you submit an application for radical credit activation, the system will automatically approve it based on your latest bank data and external data such as the People's Bank of China's credit report, and no manual intervention is possible.

Tips: There are various reasons for rejection, including your overdue loan with BOC, your consumer loan balance or credit card overdraft amount with other banks is too large, you have a bad credit record, etc. This reason can be found in your BOC Personal Mobile Banking or BOC Personal Internet Banking.

In general, the reason for the rejection of the activation can only be found on the same day (the reason for the rejection is no longer displayed because you can request the activation operation again the next day). When your activation fails (the approval fails), you cannot view the rejection reason in time, and you want to log in to the system again to query the rejection reason (on the same day) The following path is called:

Bank of China Personal Internet Banking: Click "View Reason" in Loan Management - New Business Application - Credit Loan to view the reason for rejection.

Bank of China Personal Mobile Banking: Loan - Bank of China e-Loan, the reason for approval rejection is displayed at the bottom of the blue crystal ball.

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

Handle related business.

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 on each loan is calculated based on the loan balance, the number of days borrowed, and the interest rate on the borrowing day (360 per annum shown below). For example: the loan balance is 100,000 yuan (annual interest rate 6%), monthly interest = 100,000 (loan balance) * 30 (actual number of days) * 6% 360 (daily interest rate) = 500 yuan.

The daily interest rate of Bank of China e-loan is generally differentiated according to the applicant's qualifications, and the lowest can be annualized.

The loan term can be selected within 1 month to 12 months, and the loan term is within 3 months (inclusive), and the principal and interest will be repaid in a lump sum; If the loan period is more than 3 months to 12 months, the interest shall be paid on a monthly basis and the principal shall be repaid when due.

The annual interest rate range of Bank of China e-loan is still relatively large, and you can check the specific loan interest rate on the application page.

Extended Information: Is the Bank of China e-Loan Interest Rate High?

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

The general daily interest rate of borrowing 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 = ;

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 at a relatively low level, so there is a saying that credit cards, bank loans, and then online loans are used to apply for loans.

Users can repay the loan in advance at any time before it expires.

Tips:1Bank of China e-loan loan funds can only be used for personal legal and reasonable consumption expenditures, and shall not be used for production and operation, shall not be used to purchase various investment products such as **, **, wealth management, etc., shall not be used to repay personal loans or credit cards, and shall not be used to invest loan funds in areas prohibited by national policies, laws, regulations and regulatory provisions, including the real estate market.

2.When you choose Mobile Shield as the withdrawal security tool for authentication, you can apply for Mobile Shield on Mobile Banking.

Poor credit reporting. Bank of China e-loan is a credit loan, the requirements for credit investigation are very high, if Bank of China finds that the customer's credit report has a bad credit record, indicating that it does not meet the application conditions, it will refuse to apply.

Debt is high. If the applicant has high debts, it means that the applicant's repayment ability is insufficient, and the application is rejected in order to prevent the risk of borrowing.

The rejection of the application for BOC e-loan is mainly due to the above reasons, so if you want to apply for BOC e-loan, you must meet the application conditions, maintain good credit and reduce debt, so as to have the opportunity to pass the BOC e-loan application.

Extended information: How to apply for Bank of China e-Loan?

First of all, the user needs to log in to the online banking or the mobile banking client of Bank of China, log in to the personal account, and select "Loan - Bank of China e-Loan" to enter the loan application page.

Follow the prompts on the page, then select "Activate", fill in the contact information and sign the agreement, and submit the loan application.

The bank will review the user's application, and after the review is passed, the user can go through the withdrawal procedures.

When withdrawing money, you need to select the loan purpose, amount and term, and finally enter the mobile phone verification code and dynamic password to withdraw the funds to the bank card account.

Bank of China e-Loan is a credit consumer loan product launched by Bank of China, which is mainly launched for high-quality customers of Bank of China, wealth private banking customers, housing loan customers, and customers who have paid provident fund, social security and taxation in some regions.

As long as the individual is over 18 years old and has full capacity for civil conduct; Good personal credit status; If you have a certain ability to repay, you can apply for a loan. The maximum amount of this loan product is 300,000 yuan.

Product information] The maximum amount is 300,000;

Interest rates as low as; The term is valid for 12 months;

Repayment method: one-time repayment of principal and interest at maturity, monthly interest payment and repayment of principal at maturity, etc.

Application conditions] Age: 18-60 years old;

Applicable people: Bank of China's high-quality payroll, provident fund, wealth management, housing loan customers, etc.;

Access conditions: 2 years of housing provident fund payment; Bank of China's high-quality existing customers; Bank of China Housing Mortgage Customers, Housing Loan Customers;

Credit requirements: have a good personal credit record;

The pass rate of multi-network loans is low.

Bank of China e-Loan Interest Rate].

At present, BOC e-Loan adopts the repayment method of borrowing and repaying at any time, so it is generally calculated on a daily interest rate, and the differentiated pricing of daily interest rate user qualifications can be as low as per year. Generally speaking, the average person's daily interest rate is about, and the annualized loan interest rate is.

Compared with the common micro loans and borrowings, Bank of China e-loans have great advantages.

According to the official publicity, the general daily interest rate of borrowing is about 4/10,000, so the annual interest rate is converted;

The daily interest rate of micro loan is generally as follows, and the annual interest rate is; It can be seen that the annual interest rate of Bank of China e-loan is much lower than that of private loans, and the loan cost is small and the interest is very cheap.