Guangfa Bank can only withdraw money at the counter for e-second loan. The loan funds of Guangfa E-Seconds Loan are loaned to the electronic account of Guangfa Bank, and the funds in this account cannot be transferred or withdrawn for consumption. Users must first withdraw money through the E-second loan processing page in Guangfa Bank APP. After withdrawing money from the electronic account to the bank card, they can take the bank card to the offline cash machine of Guangfa Bank for cash withdrawal. Guangfa e-second loan supports repayment by loan, with daily interest.

After Guangfa E-second loan is released, the money cannot be transferred.

After the successful application for e-second loan by Guangfa Bank, the funds will be directly transferred to the personal electronic account of Guangfa Bank, which needs to be withdrawn before consumption. Guangdong Development Bank's e-second loan mainly draws money through Guangdong Development Bank's mobile banking.

First of all, after logging into the mobile banking of Guangfa Bank, users need to directly search for "I want to borrow" on the homepage, or select "My-All-Loan-I want to borrow" in turn to enter the e-second loan processing page, and the funds can be directly withdrawn.

"Guangfa e-second loan" is a life reserve fund provided by Guangfa Bank to high-quality customers for daily consumption such as car purchase, decoration, wedding and medical treatment. It has the characteristics of no need to provide any paper application materials, quick loan approval, flexible use of funds, repayment as you borrow, and daily interest calculation.

Product attributes of Guangdong Development Bank's e-second loan;

Amount: up to 200,000 yuan.

Applicant's age: 25-55 years old.

Duration: up to 3 years.

Time limit: second-level approval, and the result will be issued in a few minutes.

Repayment method: 1 year, with interest paid first and principal paid later, which can be repaid with the loan. The 3-year line is recycled, and no interest is paid without withdrawal.

Interest: annualized interest rate from 4.8%

Purpose of the loan: The loan can be used for personal legitimate and reasonable consumption expenses such as home improvement, car purchase, education and medical care, but not for undeclared purposes and personal expenses prohibited by laws and regulations.

Reasons for the rejection of e-second loan of Guangfa Bank

1, not old enough.

Guangfa e-second loan requires strict applicants' age, and only China citizens aged 25-55 can submit applications. If the user is outside this range and obviously does not meet the loan conditions, the bank will not agree to issue loans.

2. There is insufficient time to pay the provident fund, social security and individual tax.

Guangfa e-second loan requires users to continuously deposit provident fund, social security and individual tax in the local area for at least 3 months. Therefore, if the user pays less than the specified time and does not meet the requirements of the bank, the loan application request will also be rejected.

Therefore, users are advised to check the payment time before submitting the application to avoid the loan application being rejected. After all, visa refusal will also leave a record on the credit report, and frequent visa refusal will also lead to changes in credit information.

3. No stable job

In order to ensure the timely recovery of funds, Guangfa Bank will require borrowers to have certain repayment ability, in which users must have stable jobs and incomes, otherwise there will be great loan risks, and banks may take measures to refuse loans in order to avoid loan risks.

4. Personal credit is bad

As a credit loan product, e-second loan naturally needs users' personal credit, such as pure white households, overdue records within half a year, too many hard inquiries, etc., which will affect the application results of Guangfa e-second loan. At this time, it is normal that there are places that have not passed.

5. The purpose of the loan does not match.

The use of e-second loans is limited. According to the regulations of Guangfa Bank, the funds shall not be used for purchasing equity investments such as real estate, stocks, futures and wealth management products or for purposes prohibited by law. If the user's use does not meet the requirements, then naturally it will not pass the loan review.

Guangfa Bank cannot transfer e-second loans.

Under normal circumstances, the funds of consumer loans of Guangfa Bank can be used by cash withdrawal. As long as the loan is approved, the funds will be directly distributed to the bank card account designated by Guangfa Bank, and the borrower can withdraw the funds from the consumer loan by transfer.

However, since it is a consumer loan, it is not excluded that Guangfa Bank will request to upload the consumption voucher after the user uses the funds for consumption. Therefore, it is necessary to keep consumption vouchers when using loan funds for consumption.

Guangfa e-second loan cannot be transferred.

After the successful application for e-second loan by Guangfa Bank, the funds will be directly transferred to the personal electronic account of Guangfa Bank, which needs to be withdrawn before consumption. The e-second loan of Guangfa Bank is mainly withdrawn through the 5.3.0 version of mobile banking of Guangfa Bank. First of all, after logging into the mobile banking of Guangfa Bank, users need to directly search for "I want to borrow" on the homepage, or select "My-All-Loan-I want to borrow" in turn to enter the e-second loan processing page, and the funds can be directly withdrawn.

If the loan term is less than 12 months (inclusive), the system will automatically choose to repay the principal in installments;

If the loan term is longer than 12 months (excluding), the system will automatically choose to repay the principal and interest with the same amount.

The current policy, SMS verification method, is limited to 50 thousand yuan per day. If you need to exceed the limit of 50,000 yuan, you can get the key shield at our outlet (the daily transfer limit is 5 million yuan). If you are an active user of our bank, you can apply for it free of charge. If you are not an active user for the time being, you must pay 35 yuan first. /kloc-There are 2-3 transfer records within 0/month, and the system will automatically refund the prepayment in full. It is worth mentioning that Guangfa E-second loan is a loan product that can be borrowed and repaid with daily interest.

Guangfa e-second loan was rejected.

There is something wrong with the credit information of 1.

Guangfa e-second loan is a credit loan launched by Guangfa Bank, which has very strict requirements for credit investigation. If there is a bad record such as overdue personal credit information, it will naturally be rejected by Guangfa E-second Loan.

2 does not meet the requirements

Guangfa e-second loan requires applicants to provide three-month payment records of provident fund, social security or individual tax. If it can't be met, then you can't apply for Guangfa E-second loan.

3 debt is too high

Guangfa e-second loan is a loan product launched by Guangfa Bank. In order to limit the loan risk, the general bank requires the borrower's debt ratio not to exceed 30%. Once it is exceeded, the bank will think that there is a loan risk, so it refuses to apply.

Generally, the rejection of Guangfa E-second loan is mainly caused by the above three reasons. Applicants must maintain good credit information when applying for Guangfa E-second loan, reduce personal liabilities, and submit the required information before applying to avoid rejection.