What is Netcommerce Bank Netcommerce Loan

What is Netcommerce Bank?

Netcommerce Bank refers to a private commercial bank that has developed Internet services as an important core. The bank is a subsidiary of the Ant Group, so the bank has a systematic cloud computing architecture, the bank is also the first batch of the China Banking and Insurance Regulatory Commission to obtain approval for the creation of a commercial bank. 2015 June, the bank officially opened for business, the bank is mainly for small and medium-sized enterprises, some individual entrepreneurs, to provide them with fast and effective financial services.

What is the main business of Netcommercial Bank

1, bank loans: although Netcommercial Bank is a private bank, but it is also the main business of lending business, except that the bank's borrowing is more oriented to personal loans, and the number of small and micro-enterprises borrowing is also limited;

2, bank deposits: the Netcommercial Bank is mainly to allow users to make deposits online, and it doesn't have an offline physical bank. Therefore, the user can only deposit money into the online business bank by first transferring money from other banks to the bank. Because of the online business bank deposits to be higher than ordinary bank interest rates;

3, bank withdrawals: because the online business bank withdrawals will not charge the user's commission, the user binds the bank card will be able to carry out the withdrawal operation.

What is Netcombank?

Netcombank is a lending platform. NetBank is a company that also has to pay a deposit to remove the risk of fraudulent lending and multiple lending.

Loan channels:

One, traditional loans (also called offline loans, which means submitting loan applications in real life through banks, etc.)

Two, online loans (also called online loans, which means submitting applications for loans on the Internet) i.e., P2P financial loans.P2P was created for between fundraisers and investors. Compared with traditional loans, Internet finance can avoid the risks of illegal fund-raising, bad debts and running away, and there is no fixed investment group in Internet finance, which can effectively solve the operational security of the platform and protect the interests of investors.

Three, cell phone mobile loan (refers to the cell phone loan APP to submit loan applications, at any time, anywhere, flexible and convenient) loan basic provisions, the loan object: eighteen to sixty years of age with full capacity for civil behavior of Chinese citizens. Loan amount: After the borrower provides a pledge, mortgage, third-party guarantee or has certain credit qualifications recognized by the Construction Bank, the bank approves the borrower's corresponding pledge amount, mortgage amount, guarantee amount or credit amount. The pledge amount shall not exceed 90% of the face value of the pledged rights certificates provided by the borrower; the mortgage amount shall not exceed 70% of the appraised value of the collateral; and the credit limit and guarantee limit shall be determined according to the credit rating of the borrower.

4. Guarantee: by way of mortgage, pledge, third-party guarantee or credit recognized by the Construction Bank. Application materials to be provided:

(1) Written documents of the guarantor agreeing to provide guarantee required for the borrower to obtain the guarantee amount.

(2) Documentary proof of the guarantor's creditworthiness.

(3) Appraisal report of the collateral issued by a socially recognized appraisal department.

(4) Other documents and information prescribed by the Construction Bank.

(5) The original and copy of the borrower's valid identity document.

(6) Proof of local permanent residence or valid residence status.

(7) The borrower produces income certificates issued by his/her organization, the borrower's tax bill and insurance policy.

(8) the borrower to obtain the pledge, mortgage amount required for the pledge rights, list of collateral and ownership documents ownership and property **** someone agreed to pledge, mortgage written documents.

(9) The borrower is also required to provide the company's premises of the utilities property payment bills and personal address of the utilities property payment bills.

Is Netcombank a Netcommerce loan

Netcombank is not a Netcommerce loan, Netcommerce loan is just a loan product business belonging to Netcommerce Bank, which is a business loan launched specifically for small and medium-sized enterprises and individual entrepreneurs, it is a pure credit personal business loan, its unsecured, collateral-free, and the interest rate is much lower than that of market The characteristics of similar products, can quickly solve the financial difficulties, steady development of the market, the net business loan is the net business bank to provide all the operating loans of the general term, different loan products amount according to the use of each account and the operating situation of different amounts will rise and fall, to maintain good credit, to maintain the normal field of operation is conducive to improve the amount.

One, online business loan early repayment

1, no early repayment no fee;

2, recharge enough amount to the binding repayment Alipay account;

3, you need to go to the foreground loan management page to manually operate the early repayment;

4, early repayment of the foreground enter the amount of repayment of principal, the system will automatically deduct the interest incurred as of the current date, not including the repayment of the day The system will automatically deduct the interest incurred up to the current date, excluding the day of repayment.

Second, the impact of late online business loans

1, will affect the loan applicant's personal credit, penalty interest, and will affect the subsequent loan application;

2, it is recommended to complete the repayment of the same day;

3, it is recommended that next time in the repayment of the day before the repayment of the channel to complete the repayment of the funds topped up to ensure that repayments are made on time to avoid the overdue.

Three, Netcombank contains two products

1, Yu Li Bao: Yu Li Bao is a cash management product for small and micro enterprises and small and micro operators, the product itself for the Tianhong Fund withdrawal of the Yunshangbao money fund, with low risk, high liquidity characteristics, by Netcombank and Tianhong Fund to create.

2, fixed live treasure: fixed live treasure is a three-year time deposit products at any time access, is completely risk-free.

Four, the advantages of online business bank

1, online business bank is the first to use the blockchain technology to apply inter-bank cooperation, through the blockchain technology to store the smart contract, so that the cooperative bank *** with the same service users, the two sides of the data available invisible and tamper-proof, for the cooperation of the inter-bank mutual trust to provide a solid technical guarantee

2, online business bank services for small and micro-operations

2. 80% of the small and micro-operators served by Netcombank are first-time bank business loans, and their loans last an average of only 90 days, with flexible use of funds and repayment on demand, and over 77% of the small and micro-credit users have a loan cost of less than $100.

3, small and micro green business evaluation, the use of big data methods to evaluate small and micro enterprises and operators in the day-to-day operation of the droplets of green behavior performance, to build for small and micro enterprises and operators of the main body of the green business evaluation method, for the higher rating of the merchant to give financial support, such as preferential interest rates on loans and so on.

What kind of loan platform is Netcommerce Bank

Netcommerce Bank is a bank that can handle loan services. Netcommerce Bank is one of the first five private banks in China approved by the CBRC and officially opened on June 25, 2015 . It is the first bank in China to architect its core system on the financial cloud, providing services to micro and small enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions.

The loans launched by Netcommerce Bank are Netcommerce Loan, for which the borrower needs to be aged 18-65 years old, have opened an Alipay account, have a good personal credit, etc., and can choose up to 24 installments of return when applying for a loan, and must measure his repayment ability when borrowing, and know what to use to return his income.

Web business loan repayment can be returned using funds on different accounts, usually before 12 o'clock on the repayment date to recharge enough money to the Alipay balance, the balance of treasure, the binding of the bank card, and then the system will be automatically deducted, if you miss the time of deduction, the user can be manually repayment. It is important to note that the net business loan overdue will be on the credit card.

The full name of Netcommerce Bank is Zhejiang Netcommerce Bank Co., Ltd. and its registered office is located in 15-17th floor of No. 1 building of Delisi Building, No. 28-38 College Road, Xihu District, Hangzhou City, Zhejiang Province, with shareholders such as Zhejiang Ant Small and Micro Financial Service Group Co.

Version information: Take Netcombank version 3.9.10.042003, Apple 13 (IOS15.4.1 system), Huawei mate40 (HarmonyOS2 system) as an example.

What kind of loan platform is Netcombank?

Netcommerce Bank is not a lending platform, but a commercial bank approved and established by the relevant authorities. There are numerous loan products in Netcommerce Bank, so if a customer has a need for a loan, he or she can consult Netcommerce Bank to see what kind of information needs to be supplied and what conditions need to be met.

The loan products offered by the online business bank are all genuine, customers must maintain a good borrowing and repayment record after successfully applying for a loan do not overdue, once overdue may have an impact on one's credit, but also a large number of penalties and interest charges by the bank, increasing the pressure of repayment.

What are some of the loans available at NET Banking?

The loans offered by the bank include online business loans and loans for farmers. Customers who need to borrow money can go to the bank's website and find the appropriate loan products to view the specific loan information, but if they want to get a loan, their qualifications need to be in line with the requirements.

When reviewing a customer's qualifications, the bank pays more attention to the following information.

1. The creditworthiness of the customer.

2. The customer's income.

3. The customer's debt ratio.

4, the store's business situation.

The Netcom Bank is more strict about the qualification of the customers, and at the same time, after the customer applies for the loan, he needs to repay the loan in time according to the agreement, and once overdue, it will lead to more serious consequences.

There is no grace period for online banking products, and customers are not able to negotiate repayments, so after successfully applying for a loan, customers need to pay back the loan in a timely manner as agreed. In addition to the credit card implications, the longer the overdue period, the more penalty interest will be charged by the bank," he said.