There is no annual fee for CCB e-account. CCB e-account refers to a real-name account opened through CCB online electronic banking, and account opening and closing can be achieved through electronic channels. An e-account does not require the issuance of physical media, so there is no physical bank card, but the account actually exists online. e-accounts are mainly used in investment and financial products such as funds, precious metal accounts, and financial products.

CCB e-account refers to an account opened and closed by China Construction Bank through electronic channels. CCB e-account is a virtual account. After successfully opening a CCB e-account, users can use the CCB e-account to handle investment, financial management, fund integration and other related businesses. According to CCB's standards, after a user successfully opens a CCB e-account, he or she can use it directly without reactivation.

Type introduction

Personal housing loan business

Personal housing loan business refers to China Construction Bank or China Construction Bank accepting entrustment to purchase, construct, and Loans issued to natural persons for overhauling various types of houses. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans

(including personal first-hand housing loans, personal re-trade loans, housing loans, that is, second-hand housing loans, personal commercial housing loans, Personal housing mortgage loans, etc.), provident fund personal housing loans and personal housing portfolio loans.

Starting on October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on the borrower's home purchase situation, credit record, repayment ability and other factors.

Credit card business

China Construction Bank, as one of the earliest state-owned banks in China to issue credit cards, already has many types of credit cards.

The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master Cup) Tennis Card.

Silver Star International Money Transfer

CCB Silver Star International Money Transfer Service is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. The client entrusts Silver Star Express Company to handle personal overseas foreign exchange remittances or small-amount international remittances of personal foreign exchange funds abroad