In case of illegal use, China Merchants Bank has the right to suspend your loan line and demand early repayment.
The impact of "lightning loan" on third-party depository is as follows: three-party depository is not opened: after applying for the establishment of "lightning loan", three-party depository can no longer be opened, and it can be opened the next day after the quota is cancelled; Three-party depository has been opened: after applying for the establishment of "lightning loan", the three-party depository can no longer be associated with a new card. After successful withdrawal, the transfer function of demand deposit will be frozen for seven days (the transfer of deposit funds and the transaction of funds already in deposit will not be affected), and it can be resumed the next day after the "lightning loan" is settled in advance.
If there is any change in the specific business, please refer to the latest regulations.
：
1 China Merchants Bank's lightning loan used to be qualified, why not now?
The application of lightning loan is based on the real-time verification of today's system. Maybe your retail business such as POS card trading and deposit trading in our bank has not met our standards for the time being, so you have not met our loan credit standards for the time being this month. Please increase your trading volume in our bank. If your transaction meets the standards next month, our system will automatically verify the latest loan application qualification.
Why can't we cancel the lightning loan and transfer it to banks and securities?
Why can Xiao lightning loan be transferred by bank and securities? You should mainly have another one, and that setting is not turned off, otherwise there is no way to turn it off. If you want to turn off your phone, you must go to the bank to cancel it.
China Merchants Bank's lightning loan will not be transferred to the stock market until seven days later.
In principle, loan funds cannot be used to invest in the stock market.
4. How can there be a quota for lightning loans?
The eligibility of lightning loan line depends on your retail business in China Merchants Bank. The more retail business you handle (such as deposit and wealth management), the longer it takes, the more transactions and deposits you have, and the greater the amount of "lightning loan" you may get. Besides, you need to keep a good personal credit record.
China Merchants Bank has been rejected since the lightning loan was paid off.
It may be that your retail business such as POS card trading and deposit trading in our bank has not met our standards for the time being, so you have not met our loan credit standards for the time being this month. I suggest you keep a good credit record and handle all kinds of personal banking business in our bank. After that, if your transaction meets the standards, our system will automatically verify your latest application qualification for lightning loan.
6 will lightning loan stocks be required to repay in advance?
China Merchants Bank's "lightning loan" can only be used for daily consumption, and may not be used to invest in stocks, futures, bonds, real estate and other areas where bank loans are prohibited by the state regulatory authorities. If the funds are found to be used illegally in the post-loan inspection, they will be required to repay in advance.
7 Can the lightning loan of China Merchants Bank be used to pay the down payment, and will it affect the subsequent commercial mortgage?
It can be used as a down payment and can be repaid in full and on time. Whether it will affect the subsequent commercial mortgage depends on the comprehensive audit of the loan handling bank. Everyone's situation is different, so we can't generalize.
Can the money from China Merchants Bank's lightning loan buy stocks? You can't use the loan money to buy stocks.
Restrictions on the borrower according to Article 20 of the General Rules for Loans: 1. Loans shall not be obtained from two or more branches at the same level within the same jurisdiction of 1 lender. II. Never provide the lender with a balance sheet, income statement, etc. that is false or conceals important facts. III. Never use the loan to engage in equity investment, except as otherwise provided by the state. Four, the loan shall not be used for speculation in securities and futures. Five, in addition to the borrower who has obtained the qualification to operate real estate according to law, shall not use loans to operate real estate business; Borrowers who have obtained real estate business qualifications according to law shall not use loans to engage in real estate speculation. Six, not to borrow with loans to seek illegal income. Seven, shall not use foreign currency loans in violation of the provisions of the state administration of foreign exchange. Eight, shall not take fraudulent means to defraud loans.