When the limit of 1. expires, the validity period of the electronic loan fund of China Bank is 12 months. It cannot be used after expiration and needs to be reactivated.

2. Overdue repayment. Because the amount in the electronic loan of China Bank can be recovered, if the user has bad behaviors such as overdue repayment during use, the system may freeze the amount in the user's account, so the funds in the account cannot be transferred.

3. System failure. Sometimes it may be a system failure that causes the transmission to fail. Try again later.

4. For illegal purposes, the loan funds of BOC E Loan can be used for personal legitimate and reasonable consumption expenses, such as house decoration, car purchase, education and medical care. , shall not be used for non declaration purposes and personal expenses prohibited by laws and regulations. If you use it illegally, the bank will also freeze your quota.

：

1. The credit line of electronic loan of China Bank can be reused within the validity period. The loan shall accumulate daily interest according to the actual loan days. After the electronic loan of China Bank is approved, the user only needs to click the withdrawal button, select the purpose, amount and term of the loan as needed, and enter the mobile phone verification code and dynamic password. After the withdrawal is successful, the funds will be credited to the account immediately.

2. On June 2, 2020165438+1October 2, China Banking Regulatory Commission and China People's Bank publicly solicited opinions on the loan purposes in the Interim Measures for the Administration of Online Microfinance Business (Draft for Comment). The opinion draft makes it clear that the microfinance company should clearly agree with the borrower on the purpose of the loan and supervise the use of the loan in accordance with the contract. Network microfinance shall not be invested in bonds, stocks, financial derivatives, asset management products, etc. ; They are not allowed to buy houses and repay mortgages.

3. In order to prevent the risk of excessive lending, the opinion draft proposes that the balance of personal family network microfinance should not exceed 300,000 yuan in principle, and should not exceed one-third of the average annual income in the past three years. The lower of these two amounts is the maximum loan amount.

4. It should be reminded that consumers should follow the principles of low risk, short-term and controllable when using personal consumption loans, try to avoid excessive consumption in advance, and must not maliciously defraud or default on loans, and beware of overdue loans affecting personal credit.

Why can't BOC e-loan be transferred out?

Reasons why BOC e-loan cannot be transferred out: BOC e-loan line has expired; Bank of China e-loan is overdue during use; The system is busy or there is a system failure; Illegal use of the loan funds of BOC e-loan, and the use of funds does not meet the requirements. As BOC e-loan is a consumer loan service provided by China Bank for high-quality customers, only some users can apply for loans.

After the approval of BOC e-loan, you can directly choose to withdraw money. Successful withdrawal will immediately lead to the use of dynamic password cards when withdrawing money, and users need to prepare one.

Why can't BOC E transfer the loan money?

There are several reasons:

When the 1. line expires, the validity period of BOC e-loan funds is 12 months. After expiration, they can't be used and need to be reactivated.

2. Early repayment is overdue. Although the amount in BOC e-loan can be recycled, if the user is overdue, the user may freeze the amount in your account and naturally cannot transfer money.

3, system failure, sometimes it may be a system failure, resulting in a failure to turn out, just try again after a while.

4. In case of illegal use, the loan funds of BOC E Loan can be used for personal legitimate and reasonable consumption expenses such as home improvement, car purchase, education and medical care. , shall not be used for non-declared purposes and personal expenses prohibited by laws and regulations. If you use it illegally, the bank will also freeze your quota.

The credit line of BOC e-loan can be recycled within the validity period and repaid with the loan. The loan shall bear interest on a daily basis according to the actual days of use. After the approval of BOC e-loan, users only need to click Withdraw, select the purpose, amount and term of the loan as needed, enter the mobile phone verification code and dynamic password, and the funds will arrive immediately after the withdrawal is successful. If your quota can't be raised, the high probability is due to the above reasons.

Further reading

Yinzhong e Dai

By using the Internet and big data technology, Bank of China provides full-process online credit consumption loan service for high-quality payroll customers, wealth private bank customers, mortgage customers, and provident fund/social security/individual tax customers in some areas, realizing convenient and efficient online application, second-speed approval, real-time withdrawal and flexible repayment without leaving home.

1. Loan amount: up to 300,000 yuan.

Two. Loan Term: The loan line is valid for 65,438+02 months. The borrower can reuse the line during the line period, and the line can be reactivated after the line expires.

Three. Purpose of the loan: the loan can be used for personal home improvement, car purchase, education, medical care and other legitimate and reasonable consumption expenses, and may not be used for non-declared purposes or personal expenses prohibited by laws and regulations.

Four. Usage: The credit line can be recycled within the validity period and can be repaid with the loan. The loan shall bear interest on a daily basis according to the actual days of use.

Verb (abbreviation of verb) repayment method: you can make a single repayment by using repayment methods such as one-time repayment of principal and interest at maturity and monthly interest on principal at maturity.

Intransitive verb guarantee method: credit loan, without mortgage guarantee.

Why did I apply for a personal loan in China People's Bank, but I can't refinance it?

Some loans have fixed purposes, so loans with fixed purposes cannot be transferred at will, and can only be transferred from banks to designated accounts.

In addition, it is understood that if the money lent by the bank is earmarked, it can only be used for agreed consumption and cannot be used for transfer. Users apply for consumer loans, and the bank does not stipulate that transfer is not allowed, so whether it is credit card consumption, transfer or cash withdrawal, it is ok. When users apply for loans, it depends on whether there are additional provisions on the use of loan funds. Of course, if the loan funds are used illegally and are found out by the bank, the bank will ask the user to settle all the arrears at one time.

Secondly, because the loan is based on the loan contract, the purpose of the loan must meet the corresponding purpose, so the loan is paid in the way agreed in the contract and is generally not paid directly to the borrower. According to Article 31 of the Interim Measures for the Administration of Personal Loans, if the lender is entrusted to pay, the lender shall require the borrower to apply for payment when using the loan, and authorize the lender to pay the loan funds in the way agreed in the contract. The Lender shall examine whether the borrower's relevant transaction materials and vouchers meet the conditions agreed in this contract before the loan funds are released, and record the relevant details after payment.

Finally, if you need to use a loan, you can take the following measures. You should submit the loan materials. The use of funds below the quota shall be handled by the original agency, and the use of funds shall be submitted one by one, and the following materials shall be provided before use:

1. Proof of loan use: invoices, contracts and other relevant supporting materials for purchasing goods; In view of the special circumstances of providing a description of the purpose of the loan, it is necessary to ensure the legality of the purpose of the loan, and shall not violate the relevant laws and regulations and the relevant provisions of the People's Bank of China and the China Banking Regulatory Commission on the use of personal loans, and shall not arbitrarily misappropriate them.

2. According to the Interim Measures for the Administration of Personal Loans issued by CBRC, if entrusted payment is adopted, valid counterparty account information shall be provided. To meet the conditions of independent payment, you need to submit personal account information.

3. If the time interval between the use of funds and the amount of funds is more than six months, the latest income certificate and supporting materials shall be submitted. Subject to the specific requirements of Bank of China.

4. Other materials required by China Bank.