How to apply for a loan through Rural Credit Union Mobile Banking?

Rural Credit Card Mobile Banking cannot apply for loans. You should go to the local bank business office to apply for loans.

Related businesses of Rural Credit Union Mobile Banking:

1. Personal housing loan business

Personal housing loan business includes China Construction Bank or China Construction Bank’s entrustment to customers in mainland China Loans issued to natural persons who purchase, construct, or overhaul various types of houses in cities and towns within the territory.

China Construction Bank’s personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loans, housing loans, that is, second-hand housing loans, commercial housing loans, and personal housing loans). Housing mortgage loan, etc.), provident fund personal housing loan and personal housing portfolio loan.

CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum loan down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on the borrower's home purchase situation, credit record, repayment ability and other factors.

2. Credit card business

As one of the earliest state-owned banks in China to issue credit cards, China Construction Bank already has many types of credit cards.

The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Cup) Tennis Card.

3. Silver Star International Money Transfer

CCB Silver Star International Money Transfer Business is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. Upon entrustment by customers, CCB provides small-amount international remittance business through Silver Star Express Company to pay personal overseas foreign exchange remittances or remit personal foreign exchange funds overseas.

Therefore, Rural Credit Union Mobile Banking cannot handle loans.

Extended information:

The functions of rural credit cooperatives’ mobile banking:

1. Spend first and repay later, and enjoy the interest-free payment period (the longest Up to 56 days), and there is a minimum repayment amount. Customers can repay in installments if they are overdrafted. Customers need to pay a certain amount of annual fees to the bank they apply for.

2. A prepaid wallet debit card that transfers funds to the card for storage according to the cardholder's requirements and deducts money directly from the card during transactions. .

3. The cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, it is a credit card that can be overdrafted within the credit limit specified by the card-issuing bank.

4. A single-currency, single-account credit card that bears interest on deposits and settles purchases in RMB. It has functions such as transfer settlement, cash deposits and withdrawals, credit consumption, and online banking transactions. When the balance of the account is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.