1 Require the applicant to have a stable income, have the ability to repay on time, and can hear the personal income certificate of the bank when applying;
② Having relevant business records at China Merchants Bank, such as handling deposits or wealth management products at China Merchants Bank for a certain period of time;
The applicant's credit status is good and there is no bad credit record.
China Merchants Bank Lightning Loan is a mobile Internet loan product launched by China Merchants Bank. The loan bears interest on a daily basis and supports recycling. That is, users can withdraw the loan amount at any time within the validity period of the loan. The maximum loan amount of China Merchants Bank's lightning loan can reach 6.5438+0 million yuan, and the longest loan period is 5 years.
"Lightning Loan" is the exclusive credit loan product for retail customers of China Merchants Bank, with a maximum loan amount of 300,000. Zero data arrives in 60 seconds, and you can apply for and issue loans in mobile banking without leaving home. It also has the function of "borrowing and repaying loans", which can realize online borrowing and repaying loans anytime and anywhere, and meet customer consumption needs with one click.
China merchants bank lightning loan
1. Application area: the whole country
2. Maximum amount: 300,000 yuan (up to 500,000 yuan for small and micro business owners)
3. Interest rate: generally from the annual interest rate of 5.76%, the higher the value of rice, the lower the possible interest rate.
4. Repayment method: 1 year or 3 years, with interest before principal or equal principal and interest, which will be automatically determined by the system.
5. Inquiry method: loan approval
6. Time limit for application: apply across the board, and the results will be available in a few minutes.
China Merchants Bank is the first joint-stock commercial bank in China that is wholly controlled by an enterprise as a legal person. Founded on April 8, 1987, with its headquarters in Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. It was listed on the Hong Kong Stock Exchange on September 22nd, 2006. Mainly engaged in banking and financial services. China Merchants Bank was established in Shekou, the frontier of China's reform and opening up. It is the first joint-stock commercial bank in China that is wholly controlled by an enterprise as a legal person, and it is also the first pilot bank to promote banking reform from outside the system.
China Merchants Bank is headquartered in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began its public offering in Hong Kong, issuing about 2.2 billion H shares and raising HK$ 20 billion. It was listed on the Hong Kong Stock Exchange on September 22. The net capital exceeds 290 billion, and the total assets exceed 4.4 trillion. By the first half of 20 17, China Merchants Bank had more than 1800 domestic and overseas branches, set up service outlets in more than 30 cities in Chinese mainland/kloc-0, and had 5 overseas branches and 3 overseas representative offices with more than 70,000 employees. In addition, China Merchants Bank also wholly owns CMB Financial Leasing Co., Ltd. and holds China Merchants Fund Management Co., Ltd., holding 50% equity of China Merchants Cigna Life Insurance Co., Ltd. and 50% equity of Zhaolian Consumer Finance Company; Wing Lung Bank Limited and CMB International Financial Holdings Limited are wholly-owned companies in Hong Kong.