What are the conditions for Bank of Communications to apply for a good loan?
The conditions for Bank of Communications to apply for a good loan are as follows:
1. Applicant 18 years old or above, with independent capacity for civil conduct;
2. You need to hold the main credit card of Bank of Communications, but you can't handle supplementary cards, business cards, installment cards, etc.
3. Have a certain repayment ability and be a quality customer of Bank of Communications;
4. Personal credit information is good and there is no bad credit record.
Down payment: 500 yuan, 1500 yuan, 3,000 yuan or 5,000 yuan.
Loan-enjoying business is to provide the consumer credit line (hereinafter referred to as "credit-enjoying line") to the applicant after the cardholder's application is approved by Bank of Communications. This line can be used in two ways: sign an automatic installment plan to enjoy the loan; Or use the credit line to pay the bill in installments as needed.
There are two ways to use the credit line:
1. When signing the contract, the customer must select the initial installment amount and number of installments of the loan. After signing the contract, Bank of Communications will evaluate the transaction according to the latest credit status of the cardholder, and eligible consumer transactions will automatically use the loan amount and be divided into stages.
2. After signing the contract successfully, the customer can repay the loan in installments at any time as needed, and immediately release the credit line after repayment.
That's all. I hope it helps you.