How to apply for a loan using a credit card (debit card) from Agricultural Bank of China online?
Agricultural Bank of China has many types of credit card (debit card) loan products, such as cash installment, bill installment, consumption installment, car installment and Lefenyi, etc. Taking Lefenyi application as an example, the specific steps are as follows:
1. The customer searches for "Agricultural Bank Card" on WeChat and logs in to the WeChat official account;
2. Follow After that, click "Rights/Bills" - "I want to borrow money/I want to repay" - "Lefenyi";
3. After the page jumps, learn about the basics of Lefenyi Information, scroll down the page and click "Apply Now";
4. Upload the photo of your ID card, fill in your name and other information and click "Next";
5. Follow the page reminders Just do it.
How to use credit card loans from Agricultural Bank of China
It is recommended to apply for loans through formal channels:
The definition of Agricultural Bank of China’s online loan means that Agricultural Bank of China provides cash to those who meet certain conditions. Small-amount consumer loans issued by Agricultural Bank of China to individual customers, with self-service application, fast arrival, automatic approval, and self-service credit use.
Application conditions:
1. Be at least 18 years old and not more than 60 years old, have the nationality of the People’s Republic of China, and have full capacity for civil conduct.
2. Hold legal and valid identity documents.
3. Be an electronic banking customer of our bank and hold a security certification tool issued by our bank. (Currently only supports second-generation K treasure customers).
4. Good credit status.
5. There is no unexpired “Network Loan” loan limit, and there is no unsettled “Network Loan” loan balance.
6. Stable income and the ability to repay credit on schedule.
7. The purpose of the loan is reasonable, and the loan limit applied for on Jiedai is 3,000 yuan to 300,000 yuan. The loan limit is valid for 30 days. The borrower must use the loan within the validity period of the loan. The loan limit cannot be applied for on a recurring basis. , approval, and loan disbursement can be completed within a few minutes.
Extended information:
The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure.
Handling fee: You do not need to pay bank loan interest when purchasing a car in installments with a credit card, but you will need to bear a one-time handling fee. Handling fee = installment amount
Loan term: The maximum term for installment car purchases is generally 24 months.
Down payment: When purchasing a car by credit card installment payment, you generally need to pay a down payment of no less than RMB 30 of the car price.
Limit: Each bank stipulates the loan amount for credit card installment car purchases. For example, China Construction Bank stipulates that the installment amount for car purchases ranges from 20,000 to 200,000.