1. Download the mobile banking of Henan Rural Credit Cooperative on your mobile phone, and then log in to your account.
2. Click "All" on the homepage, and then click the "Jin Yan E Loan" button;
3. If the borrower has a line, just click "Apply". If there is no quota, click "I want a loan", then fill in the personal information, and finally click "Confirm to submit". After approval, the quota can be obtained: it can be used for personal or family consumption purposes other than buying a house, such as car purchase, decoration and children's education. Loan funds shall not be used for equity investment, for purchasing or investing in financial products such as stocks, marketable securities, futures and wealth management products, for real estate investment or management, for borrowing money to seek illegal income, or for other fields that violate the provisions of national laws and policies. Credit term, interest rate, line, guarantee method and repayment method Credit term: no more than 3 years; annual interest rate: 5.976% (monthly interest rate: 4.98‰, daily interest 1.66 yuan is 1, 000 yuan). Loan method: Jin Yan E loan. Amount: In principle, it shall not exceed 120 times of the monthly deposit amount of the housing accumulation fund of the borrower and his spouse (individual+unit); The credit line signed by the borrower shall not exceed 6,543,800 yuan+500,000 yuan; The credit line signed by the borrower and his wife shall not exceed 300,000 yuan. If the borrower and his spouse have unsecured loans in financial institutions, the corresponding amount shall be deducted. Repayment method: interest will be settled every month, and the principal will be repaid when due; Equal principal and interest. Application conditions:
_ 1 18 to 65 years old, with full capacity for civil conduct;
_2 The applicant's credit information is good, and there is no bad credit record such as overdue;
_3. Personal mobile banking or personal online banking has been opened in Henan Rural Credit Cooperatives;
_4 Mortgage customers, quality customers, employees of administrative institutions who collect and pay wages, and quality customers who cooperate with other banks. Jin Yan's e-loan application conditions are relatively simple, and there is no need for mortgage and guarantee. As long as the above conditions are met, it is basically no problem to apply for e-loan in Jin Yan.
Operating environment: apple 12 ios 14 Jin Yan e-loan1.1.