Hello, due to the integration of personal consumer loan product systems, home improvement loans (original home improvement consumer loans) are no longer a separate product and have been discontinued in August 2020. Many credit products in personal consumption loans (except for self-use car loans and student loans) can be used for home decoration purposes.

1. NetJiedai loan targets:

(1) Customers of our bank who have unpaid personal housing loans.

(2) Customers who pay housing provident fund on time.

(3) Customers who pay social insurance on time.

(4) Our bank pays wages to customers.

(5) Other customers who meet our bank’s conditions and hold our bank’s debit card.

Please refer to the page prompts for details on whether your application can be successful.

2. Basic conditions for Wangjie Loan application:

(1) Be 20 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full civil conduct ability.

(2) Hold legal and valid identity documents.

(3) An electronic banking customer of our bank and holding a security certification tool issued by our bank. (Currently supporting second-generation K Bao and K Ling customers)

(4) The credit status is good, and there are no following bad credit records in the credit report:

a. When applying for a loan, no There are overdue loans and overdue credit card overdrafts;

b. There are no overdue records for more than 30 consecutive days in the last 24 months, and the cumulative number of overdues does not exceed 4 times;

c. Does not exist There are no records of asset disposal, guarantor compensation or bad debts, tax arrears, enforcement records or administrative penalty records that have not been revoked;

d. There is no "normal" in the five-level classification of loans guaranteed by the borrower other than the state.

(5) There is no unexpired “NetJie Dai” loan limit and no unsettled “NetJie Dai” loan balance.

(6) Stable income and the ability to repay credit on schedule.

(7) The purpose of the loan is reasonable and clear.

3. Netjet Loan application process:

Netjet Loan implements a process of self-service application, automatic review and approval, online signing of credit contracts, and self-service credit use. If you need to apply for NetJie Loan, you can log in to the Palm Bank APP, the online channel designated by our bank, and click "Homepage → Loan → NetJie Loan → Apply Now".

Warm reminder

(1) Starting from July 25, 2019, new customers of Wangjiedai can apply for loans through personal mobile banking channels or super counter channels.

(2) Applications for personal online banking channels have been suspended, but loan inquiries and repayments can still be processed.

(3) For existing customers, personal online banking can be used for loan inquiries and repayments, but cannot be used for loan disbursement. If loan disbursement is required, it must be handled through personal mobile banking.

(Answer time: December 21, 2021. In case of business changes, please refer to the actual situation.)