It is suggested that loans should be made through local bank channels, and China Merchants Bank should develop the lightning loan business. At present, it is suggested to apply through mobile banking, or check whether it meets the requirements.
If you have a savings card of China Merchants Bank, you can log in to mobile banking and enter the application page in My → All → My Loan → My Lightning Loan.
The maximum loan amount is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
1. There are many hazards of online lending, mainly including the following:
Affect credit reporting, online credit reporting, and most banking products do not accept online credit reporting customers.
The interest rate of online loans is high, the number of periods is short, and the repayment pressure is high, which is easy to cause customers to default.
Affect big data. At present, most financial institutions have access to big data platforms, such as Bai Rong and Tongdun. Online lending has a great impact on big data scoring, which will affect future loan applications.
Most online loans are overdue or repaid in advance, and there are often high liquidated damages and late fees.
Applying for online loans many times will easily lead to too many credit inquiries and spend all the credit information.
Generally speaking, it is not recommended that you apply for online loan. If you have funds, I suggest you apply for a bank loan in the following two ways:
Go to a bank outlet for consultation and apply for a bank credit loan.
Help to apply for bank credit loans through professionals or loan-assisting companies.
These two ways can apply for bank loans, which are also two more reliable ways for everyone to apply for loans. I suggest that you stay away from online loans and private loans for capital turnover, cherish credit information and take care of feathers!
If you want to borrow money, you must choose a formal lending platform. If you choose an informal lending platform, you are likely to encounter traps such as usury and routine loans. So everyone must keep an eye on the choice of platform.
3. The formal lending platform meets the following three points:
Regular loan companies have financial licenses.
A financial license, that is, the business license of a financial institution, is an official document authorizing a financial institution to conduct business. At present, financial licenses are issued by CBRC, CSRC and CIRC respectively. Financial supervision is divided into pre-supervision, in-process supervision and post-supervision. Market access system is the core of prior supervision, and financial license plate is the normal performance of market access system.
Generally, the loan products launched by licensed institutions will basically be connected to the central bank's credit information system.
Formal platforms have standardized loan application processes.
Regular online lending companies mostly provide credit loans, unsecured and unsecured. Therefore, the lending platform needs to know the repayment ability and willingness of the loan applicant, such as personal credit status, income status, debt ratio, work unit and other information, and will provide a formal loan contract after meeting the loan requirements.
It is worth noting that formal online lending companies will not charge any fees before the loan is issued, and will only charge interest or a certain handling fee after the loan is officially issued. If the borrower is required to pay in advance by means of membership fee, thawing fee, etc. The platform is generally informal.
The loan interest rate of the formal platform must comply with the state regulations.
The loan interest rate of formal lending institutions must be within the scope stipulated by the state. There are many so-called "low threshold and low interest" lending institutions. If they are not eligible for loans, the loan period is very short, and the loan amount they often get will be less than the actual amount, and various service fees will be deducted, so the comprehensive cost of loans is high.
If there is a loan demand, you can choose the rich flowers under Xiaoman Finance. The platform is backed by BAT manufacturers, which meets the above three points. It is a formal and reliable lending platform. But remind applicants to borrow as needed, spend reasonably and repay on time.