Bank of China provides personal consumption loans, which are divided into personal mortgage consumption loans and personal unsecured consumption loans according to whether there is mortgage or not. The main loan conditions include:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Citizens of People's Republic of China (PRC) (China), including Hong Kong, Macao and Taiwan residents who have worked continuously in People's Republic of China (PRC) (China) for one year or more, hold valid identity documents that meet the regulatory requirements and have a fixed residence in China. Hong Kong, Macao and Taiwan residents should own their own property in the place where the loan is applied;
3. Have a continuous and stable source of income, and have the ability and willingness to repay the loan principal and interest on schedule;
4. The credit status is good, and there is no bad credit record in BOC and its peers;
5 to apply for personal mortgage consumer loans, but also to provide collateral recognized by China Bank as a loan guarantee;
6. You need to open a deposit account with BOC before handling personal consumption loans;
7. Other conditions stipulated by laws, regulations, regulatory agencies and Bank of China.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
How to borrow personal credit card loan from China Bank?
China Bank credit card loan is a cash installment of credit card, and the specific ways are as follows:
1. Mobile banking application.
2. WeChat official account application.
3. Online banking application.
4. Customer service hotline application.
Users can call the China Bank Credit Card Customer Service Hotline at 4006695566 according to the voice prompts to apply.
5. Application form for China Bank's business outlets.
Users can bring their ID cards and credit cards to the counter of the nearest China Bank outlet.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
Development course:
Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade.
After the financial crisis and the ups and downs of the domestic economy, the credit card market in China has picked up. By the end of 20 10, the total number of credit cards issued in China has exceeded 200 million. In 20 10, the national interbank credit card transaction amount reached 5. 1 1 trillion yuan, and the consumption amount was 2.7 trillion yuan. The proportion of credit card consumption in the total retail sales of social consumer goods continues to increase.
China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, in the next 65,438+00 years, the average annual growth rate of credit card issuance in China will remain at around 65,438+04%, and the profitability will also be improved. It is predicted that the cumulative number of credit cards issued in China will exceed 800 million in 2020.
How to get a credit card loan from China Bank?
Bank of China provides credit card installment payment service. After you spend, the bank will pay the amount to the merchant first, and the customer will return it to the bank several times. In addition to returning the principal, the customer has to pay a certain handling fee, and you can enjoy interest-free repayment of the principal in monthly installments according to the total amount of the bill. You can handle it through China Bank Mobile Banking, China Bank Credit Card WeChat official account, Colorful Life APP, online banking, customer service hotline and other channels.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of how to borrow a credit card loan from China Bank and how to apply for a credit card loan from China Bank. I wonder if you have found the information you need?