How long does it take for ABC Lefenyi loan approval
“The review time of ABC Lefenyi is generally 1 working day, but some users’ review time is 3-5 days. This This is because different borrowers have different credit qualifications, which are subject to the bank’s review time. ”
1. Lefenyi installment loan refers to the Agricultural Bank of China’s installment loan based on the applicant’s application. After approval, the applicant will be given an installment limit, the credit card will be credited to the account in installments, and the installment principal will be transferred to the Lefenni account. The applicant shall repay the principal in installments and pay a certain amount of installment fees.
2. The maximum credit limit of Lefenyi installment loan is 300,000 yuan. You can apply online and offline. The maximum repayment period is 5 years; the online application path for mobile banking: Agricultural Bank of China app-credit card-smart credit users must repay on time after applying. There can be no late payments.
3. Loans obtained from Lefenyi Installment Loans can be used in different fields. For example, weddings, home decoration, education, shopping, travel, etc. should all be noted. Loans are not allowed to be withdrawn, transferred, invested and managed, or withheld and paid. If the loan is overdue. It will be uploaded to the credit reporting center, affecting personal credit reporting.
4. As long as the application for Lefenyi is successful, the bank will transfer the principal to the Agricultural Bank of China debit card on the same day. The installment principal in the Lefenyi special account does not accrue interest. After the money arrives, there is no need to activate it. You can directly use the card to make purchases in many areas such as weddings, home decoration, education, shopping, and travel. Cash withdrawals, transfers, investment and financing, and withholding and payment are not allowed.
5. Lefenyi application steps:
Applicants need to bring their valid ID and Agricultural Bank of China Class I debit card to an Agricultural Bank of China branch.
Choose the number of installments that suits you, check the corresponding handling rates and fee collection methods, apply for Lefenyi, and wait for review.
Whether it passes the review will be notified via text message. After approval, the money will be directly issued to the loan account and cannot be canceled. After the application is successful, the applicant can use the installment principal for consumption.
After the payment is received, there is no need to activate it. You can directly use the card to make purchases in many areas such as weddings, home decoration, education, shopping, and travel. Cash withdrawals, transfers, investment and financing, and withholding and payment are not allowed. How long does it take to activate ABC Lefenyi
The review time of ABC Lefenyi is generally 1 working day.
However, the review time for some users is 3-5 days. This is because different borrowers have different credit qualifications. The specific review time is subject to the bank's review time.
The Agricultural Bank of China Lefenyi physical card will be issued to the cardholder in about 4-5 working days. As long as the user successfully applies, the bank will transfer the limit to the Agricultural Bank of China debit card on the same day, and no interest will be calculated on the installment principal in the Lefenyi special account. How many days does it take for Lefenyi loan approval?
The review time of Agricultural Bank of China Lefenyi is generally 1 working day, but some users may take 3-5 days to review it. This is because different borrowers have different credit standards. Qualifications are different, so the review time for each person is different. If there is no result after more than 5 days, please contact the customer service of Agricultural Bank of China for consultation.
As for the loan time, as long as the user passes the Agricultural Bank of China's Lefenyi review, the bank will arrange the loan as soon as possible, so the user can wait patiently.
1. Product Definition
Lefenyi’s installment payment business means that our bank collects internal and external data and grants installment quotas to customers with daily large-amount consumer credit needs, and the customers successfully handle it You can then use the installment funds to pay for installment services at specified types of merchants.
2. Product functions
1. Convenient processing. Customers can apply with their ID cards and do not need to provide proof of income or assets. Customers who do not have an Agricultural Bank of China credit card can also apply, and the approval speed is the same as that of customers who already have a card.
2. Use of funds. After the installment is successful, the funds are transferred to Lefenyi's special account, which can be used to make purchases at merchants in major consumer fields such as travel, home decoration, education, department stores, etc., both from our bank and other banks (only controlled by the merchant's MCC type code).
3. Exclusive quota. Approval of Lefenyi installment quota for customers, up to 300,000 yuan.
This limit is exclusively for Lefenyi business and does not affect customers' daily card consumption using their own funds.
4. The number of phases is flexible. The installment period is chosen by the customer and can be up to 5 years. Available in 6, 12, 24, 36, 48, and 60 periods. Online channels can only handle 36, 48, and 60 issues; over-the-counter channels can handle products of all terms.
3. Applicable objects
Customers must be in our bank’s target database, including high-quality credit card customers, high-net-worth customers, provident fund customers, etc.
IV. Operation process
1. Application
Customers apply for this business through outlets, online H5 and other channels, and fill in the application information.
2. Acceptance and investigation.
The investigators will verify the customer's identity and verify the customer's name, ID number, and photo information.
3. System approval.
Perform real-time automated approval according to existing policies.
4. Quality inspection.
The head office manually conducts spot checks and quality inspections on business applications.
5. System account creation and limit loading.
After passing the quality inspection, the system will create accounts and load quotas in real time.
6. Activate and lend.
The customer himself activates through SMS, mobile banking, customer service manual and other channels.
When the physical card is not received, the dedicated physical card supports virtual card mode activation through mobile banking and SMS channels, and installment loans through mobile banking and branch channels; online consumption is supported.