What are the requirements for processing Jialeka?

Father Lejiaka: 1, must be at least 18 years old and not more than 60 years old, and hold valid personal identification; 2. Personal credit information is good; 3. The applicant needs to have a fixed residence and household registration at the place where the applicant bank is located; 4. At least 300,000 materials should be used as collateral and so on. You can consult the bank when you handle it, so that you can know the specific situation and then handle it smoothly.

It is worth noting that Lejiaka is a series of products of Shaanxi Credit Cooperative Father Card, which belongs to debit card. Its functions include cash deposit and withdrawal, transfer settlement, self-service deposit and withdrawal, information inquiry, loan use, debt service and so on. Credit is granted for two years at a time, and the loan period is one year.

The basic process of Lejiaka processing: application, review and evaluation, obtaining the card, determining the credit line, signing the contract and using the loan. According to the principle of "one-time approval, loan with use, balance control and recycling", the loan must be returned on time after use, and there can be no overdue situation.

If the user can't repay the loan on time after using it, there will be penalty interest after it is overdue, and the longer the time, the more penalty interest. Moreover, overdue records will be uploaded to the credit information center, which will lead to the deterioration of personal credit information and affect the subsequent re-application of various loans. If the loan is not repaid for a long time, the bank will collect it and may also sue the borrower.