On the query page of loan service-BOC e-loan/BOC Netease-online banking operation records, you can query the operation records of online banking channel withdrawal and repayment according to transaction status, transaction type, amount range, date type, initial entrustment start date, initial entrustment end date, customer application number and customer business number. If you need to query the operation record of the WEB channel under the loan account, you need to query it on the loan service-loan application progress query page.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
What is the charging standard of loan service fee?
There are no specific standards, which need to be specifically agreed by both parties. If the handling fee is agreed by both parties, it is legal that the handling fee plus interest does not exceed the annual interest rate of 24%. It is recommended to go to a regular bank for a loan.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
Loan security is the primary problem faced by commercial banks;
Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time;
Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method:
1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
How much is the loan service fee?
What does the loan platform service fee mean?
The service fee of the loan platform is actually that when customers apply for online loans, the platform will charge customers a certain fee for providing loan services.
At present, there is no clear limit on the service fee of this loan platform. It is also a market behavior for online loans to collect platform service fees. As long as the platform charges are reasonable and the comprehensive real annual interest rate of the loan does not exceed 36%, there is no problem.
Of course, everyone should be vigilant. Some online lending platforms say that they charge service fees, but in fact they charge "beheading interest", that is, they directly deduct some money from the principal when lending money. For example, if someone applies for a loan of 3,000 yuan, only 2,500 yuan will be paid back, and the less 500 yuan will be beheaded.
It is forbidden to behead and calculate interest, and the loan interest shall not be deducted from the principal in advance. If it is deducted from the principal in advance, the platform should return it according to the actual loan amount, and then recalculate the interest.
Besides, everyone should be careful. Some platforms may charge some extra high margin, late fees, etc. If the loan is charged at a high price, the customer can collect evidence and report it to the platform.
Which online lending platform is better?
Online lending platforms include:
First, Qianhua: Qianhua is a credit service product under Baidu, which has a good reputation and a relatively fast lending speed. It can meet the daily demand for borrowing money, and it is very convenient to borrow if you want. The maximum amount is 200,000 yuan, 1 10,000 yuan loan 1 annual average daily interest 1. 1 yuan. The better the credit, the lower the interest rate.
Second, Lending Bao: Lending Bao is a pure credit loan product launched by Alipay, a subsidiary of Alibaba. According to the consumption situation and repayment ability of Alipay users. Ordinary users can only apply for opening if the sesame score is above 600. According to sesame score, the loan amount is10-300,000, the lowest daily interest rate is 0.02%, and the loan term is 12. It has always been a conscience loan.
3. Return: Shanghai Jihe Information Technology was established on 20 15 and returned the products on 20 16. The major shareholder is Focus Media listed company (stock code: 002027), and the shareholders are Focus Media, Sequoia Capital, Cinda Investment, noah wealth, Sina, etc.
4. Micro-loan: Weizhong Bank is the first Internet bank under Tencent. Its products include micro-loan and micro-car loan, and it is committed to providing fast financial services for small businesses and individual consumer groups.
Verb (abbreviation of verb) Paipai Loan: Paipai Loan was established in 2007 and is a p2p financial platform listed on the New York Stock Exchange. Auction loan products are mainly divided into batch bidding and rainbow bidding. At present, credit loans are provided to users, with a maximum loan amount of 200,000 yuan and a monthly loan interest rate of about 1%. Users can choose appropriate loan products according to their own needs.
How much is the loan service fee?
The service fees charged by different lending institutions are different and cannot be generalized. Generally speaking, it is legal that the combined annual interest rate of loan service fee and loan interest does not exceed 24%.
1. If the lending institution charges the borrower a service fee at the initial stage of loan issuance, which does not comply with the relevant regulations, there may be fraud.
2. It is legal for the lending institution to recover the loan together with interest and arrears after issuing the loan. The loan service fee generally refers to the service fee charged during the loan process. If you apply for a loan in a bank, there is generally no service charge. However, if you borrow money from a third-party platform, you usually need to charge a service fee. Before applying for a loan, I suggest you consult the platform first.
Procedures for applying for loans:
1. When applying for a loan, basic information such as loan purpose, loan amount, personal property (enterprise: company operation status), service life, selected loan type, collateral, repayment ability, etc. Should be explained.
2. loan investigation after receiving the application, the commercial bank will start a basic investigation of your loan situation. The principle here is to evaluate the loan risk according to your willingness and ability to repay. And whether the financing industry involved meets the national requirements.
3. recognition. After a comprehensive investigation of the loan, when the bank has enough funds, it can sign a contract (guarantee, mortgage), go through the loan-related procedures, and obtain funds after approval by the corresponding bank management department. Please consult the staff for details.
4. Post-loan investigation: after the borrower obtains the loan, it mainly investigates the use of funds in accordance with the prescribed purposes, the borrower's cash flow and operating income. If the loan is not used for the specified purpose (when the borrower signs the contract), the bank has the right to terminate the loan in advance or raise the loan interest rate, which is called "misappropriation of public funds".
5. The borrower repays the loan within the specified date without penalty interest. If the loan is repaid after the loan date, the loan interest will generally rise by 50%. After the signing of this contract, the borrower shall settle interest on a monthly, quarterly, annual or phased basis. Under normal circumstances, the basic process of loan will end. In particular, if there is no regular repayment, the bank will generally apply for legal compensation within 30-60 days, and the borrower will bear all the expenses incurred in the process of liquidation and asset preservation.
Is it legal to charge service fees for loans?
It is not illegal to charge a service fee for a loan. Loans are to solve their own economic problems, but some people have encountered cases in which lending institutions require service fees. The service fee is charged with the loan amount. When the loan amount is large, the service fee will be several thousand yuan. Interest is usually generated by loans, but in practice, some lending institutions charge extra fees under various pretexts to avoid the maximum interest limit. Legal basis: Article 46 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises, the state encourages all kinds of service institutions to provide small and medium-sized enterprises with services such as entrepreneurship training and counseling, intellectual property protection, management consulting, information consulting, credit services, marketing, project development, investment and financing, accounting and taxation, property rights trading, technical support, talent introduction, foreign cooperation, exhibition and sales, and legal consulting.