China Construction Bank has no universal fund. Universal fund is the business of Shanghai Pudong Development Bank, and CCB does not have it at present.

1.

This is a big cash withdrawal business. There is no handling fee, but there is interest. Repayment must be made in installments, otherwise a penalty of 3% will be charged. 12, 24, 36. You can call other bank accounts. But it will take three days.

2.

Most importantly. If you agree to apply, you must apply for a universal gold business. Otherwise, this business cannot be retained.