When you borrow money, the first thing that comes to mind are large state-owned banks such as China Construction Bank and China Industrial and Commercial Bank. China Construction Bank has many loan products. Take some of the most mainstream loan products on the market as examples to tell you the general loan amount of China Construction Bank.
Personal housing loan Personal housing loan is a loan provided by China Construction Bank to help borrowers buy houses. According to housing types, it can be divided into first-hand housing loans, second-hand housing loans and commercial housing loans. First-hand housing loans and second-hand housing loans are generally 70% of the total price of purchased houses, and commercial housing loans are generally 50% of the total price of purchased houses. Personal consumption loans For personal consumption loans, the loan amount of China Construction Bank is generally up to 2 million yuan, depending on the borrower's income and personal credit information. For car purchase, the loan amount for self-use car is 80% of the total car price, and the loan amount for commercial car is 70% of the total car price; If it is used for studying abroad or attending high-end on-the-job education, the maximum loan amount is generally 1 10,000 yuan; If it is used for home decoration, the loan amount of China Construction Bank generally does not exceed 6,543,800 yuan. Small-sum secured loans for laid-off workers. Generally, the minimum loan amount of CCB is 2,000 yuan, the maximum is 20,000 yuan, and the maximum is no more than 2 years, but it can be extended. Wealth Loan Wealth Loan The loan provided by China Construction Bank to private banking customers is used to meet the daily production and operation needs of borrowers. The loan amount of China Construction Bank generally does not exceed 6,543,800,000 yuan, and the longest is not more than three years. Hexingdai
2. Can the ordinary card of China Construction Bank hold10 million?
China Construction Bank can deposit10 million on an ordinary card. No matter what the nature of the savings card of China Construction Bank is, there is no deposit ceiling. Therefore, if you deposit100,000 yuan into a bank's ordinary savings card, there is definitely no problem. If the amount of this ordinary card of China Construction Bank remains at least100000 yuan for a long time, it will immediately become a private bank VIP card of China Construction Bank.
I am a mortgage customer of China Construction Bank. What is the maximum amount of consumer loans?
Real estate mortgage loan process:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.