Himin loan application conditions: good personal credit, stable income, the borrower must be a customer of Bank of Communications, etc.

1) The borrower has a stable job and financial income;

2) The borrower has been working continuously in the current unit for more than six months at the time of application;

3) The applicant needs to be between 18 and 55 years old, have full capacity for civil conduct, and have the ability to repay loans on time.

4) Personal credit report is good. There should be no bad record at the Bank of Communications, let alone any stain on the central bank's credit report.

5) The borrower must be a customer of Bank of Communications. Generally, it needs to be a customer of Bank of Communications for salary payment, which is a relatively high-quality old customer.

6) Bank of Communications credit card holders and Bank of Communications debit cards have 6 months of punch-in salary.

7) The borrower needs to frequently handle business at Bank of Communications, has opened Bank of Communications mobile banking, and can submit personal application materials online.

8) Other borrowing conditions stipulated by the bank, etc.

The above are the detailed conditions that need to be met when applying for the Bank of Communications Huimin Loan. During the approval process of Huimin Loan, Bank of Communications will pay special attention to these conditions. However, meeting the above conditions does not necessarily guarantee approval. Friends who have not been approved should not be discouraged. You can often try to activate Bank of Communications Mobile Banking, and you will always succeed.

1. When applying for a loan, different users receive different credit lines, and they must repay the loan on time without overdue payment. Because penalty interest will accrue after overdue repayment, the longer the period, the more the penalty interest will be. Moreover, the bank will also conduct collection after the payment is overdue. A common collection method is to call the borrower's phone number.

2. If the loan is overdue, it will be uploaded to the credit report center. If the credit report becomes bad, it will affect the subsequent processing of various loans, such as car loans or housing loans, and the overdue balance will be returned. It will be kept for at least 5 years. After 5 years, it will automatically disappear and will not be kept in the credit report. When applying for a Huimin loan, you must measure your repayment ability and know what income you will use to repay. In fact, if you cannot repay the loan on time, you can borrow money from friends around you and repay it later when you have money. However, you cannot borrow money from friends multiple times to avoid causing resentment to others.