What is the approval rate of CMB Lightning Loan?
大约百分之75左右。闪电贷作为招行旗下的一款个人信用贷款产品，对于用户也是有一定要求的，用户要在招行办理过业务，理财、存款等功能的零售业务，或者属于代发工资、有房贷等业务；个人资信条件良好，未出现逾期等不良行为；用户具有稳定的收入，具备偿还贷款本息的能力。满足以上条件的用户，才有申请闪电贷的可能。不过，总的来说，招行闪电贷的要求并不严苛，满足条件且有借贷需求的用户可以尝试申请一下！
Professional answer
About 75%. As a personal credit loan product under CMB, Lightning Loan also has certain requirements for users. Users must have handled business with CMB, retail business with financial management, deposits and other functions, or payroll, mortgage and other businesses; personal credit conditions are good, and there is no bad behavior such as overdue; users have stable income and the ability to repay the principal and interest of the loan. Only users who meet the above conditions have the possibility of applying for Lightning Loan. However, in general, the requirements of CMB Lightning Loan are not strict. Users who meet the conditions and have borrowing needs can try to apply!
The approval rate of CMB Lightning Loan is 65%. The system will conduct a preliminary review of the applicant and then establish a credit line. Each person has different qualifications and obtains a different credit line. After the credit line is successfully established, it is valid for 1 year. During this period, the applicant can submit a loan application at any time. The system will automatically review the applicant's comprehensive credit situation. If it passes the review, it will be successful. The Lightning Loan may be rejected when establishing a credit line or withdrawing money. If the credit line is rejected, the system will not give the loan line, and if there is no credit line, the loan cannot be obtained. The applicant needs to try again after 3 months.
The approval rate of CMB Lightning Loan is about 50%.
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