As one of the four state-owned banks, China Construction Bank has always been far ahead in deposit and loan business. So, what loans does CCB have? What kinds are there? It is reported that CCB currently has six major loan products: credit loan, good financial loan, venture loan, tax easy loan, POS loan and settlement. These six products have different characteristics for different application objects.
Pos loan
Applicable object: CCB pos acquiring merchants, operating norms, good credit information of enterprises and shareholders, and operating period of more than two years.
Loan amount: the maximum loan amount for a single household is 2 million yuan, and the maximum period of revolving loan amount is one year, which can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: unsecured credit loans can be applied at any time within a limited time, with low processing threshold and short processing time.
clearing house
Applicable objects: small and micro enterprises with stable settlement and certain capital precipitation, and small non-loan households of China Construction Bank.
Loan amount: the maximum loan amount for a single household is 500,000 yuan, and the revolving credit amount is valid for one year at the longest, which can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: credit mode, automatic trigger and diverse channels.
unsecured/fiduciary loan
Applicable objects: CCB's high-end customers, high-quality small and micro enterprises, key government support and potential small and micro enterprises.
Loan amount: the maximum loan amount for a single household is 5 million yuan, and the revolving credit amount is valid for up to one year and can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: no need for any guarantee measures, convenient application, simple procedures and fast loan.
Shanrongdai
Applicable objects: small and micro enterprises with stable settlement and certain capital precipitation, and small non-loan households of China Construction Bank.
Loan amount: the maximum loan amount for a single household is 2 million yuan, and the revolving credit amount is valid for up to one year and can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: China Construction Bank settlement account, pure credit, quick approval, easy handling and recycling.
Risk loan
Applicable object: small and micro enterprises with industry, performance and credibility; Small and micro enterprises with good operating conditions and no other operating loans.
Loan amount: the maximum loan for a single household is 800,000 yuan, which does not exceed 20% of the sales revenue in the previous 12 months.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: pure credit loan without collateral, fast loan approval.
Tax-free loan
Applicable object: small and micro enterprises that pay taxes in full and on time, are in good operating condition and have a good record of tax grade.
Loan amount: the maximum loan amount for a single household is 2 million, and the revolving loan amount is valid for up to one year and can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production activities of enterprises.
Product features: high quota, pure credit, quick approval, easy handling and flexible distribution.
What are the credit card installment loans of CCB? Introduction of four kinds of installment loans
China Construction Bank has always enjoyed a good reputation. People will take China Construction Bank as one of their choices whether they apply for a credit card or apply for a loan business, and there are many types of credit card installment loans from China Construction Bank. Then, what are the credit card installment loans of CCB?
First of all, China Construction Bank will pass in stages.
CCB installment is mainly used for loans to buy large durable consumer goods, weddings, child care, settlement, tax payment, health and so on. It is widely used, covering all aspects of food, clothing, housing and transportation. It has a special credit line with a maximum of 6,543,800 yuan+0.5 million yuan. The handling fee rate is favorable, and the longest installment is 36.
Second, the decoration stage of Longka Credit Card
Longka credit card decoration by stages is mainly used for home decoration and home appliances. The maximum loan amount can reach 654.38+0 million, which can be divided into 48 periods at the longest, with no mortgage guarantee and zero interest rate concessions. For more information, please click here for details.
Third, Longka buys cars by stages
Longka car installment is mainly used for customers to buy private cars. Its exclusive quota can reach up to 500,000 yuan, and the cost is favorable. You can enjoy zero handling fee at most, flexible in stages, and the longest repayment period is 48 months. New card customers can also apply.
Fourth, CCB's fast loan.
CCB Express Loan is a "quick loan", which is a full-process online self-help loan for individual customers of CCB. Customers can complete loans online through electronic channels of CCB, including real-time application, loan approval, contract signing, withdrawal and repayment. Including fast e-loan, financing e-loan, pledge loan, etc.
Among them, the maximum amount of fast e-loan is 300,000, and the longest loan period is 1 year, which can be recycled. E The maximum loan amount is 5 million yuan, and the loan period is 5 years, which can be recycled. The maximum amount of pledged loan is 3 million yuan, and the longest loan period is 1 year, which can be recycled.
The above is the summary of credit card installment loan of CCB. CCB's credit card installment loans are rich in varieties, which can meet the various needs of customers. Friends who want to apply for installment loans in CCB can refer to the above contents and choose according to their own needs.
What is China Construction Bank Longka Loan?
China Construction Bank's Longka Loan Bar is a loan product, and you can only apply if you have a credit card from China Construction Bank.
CCB's Longka loan bar is similar to a virtual credit card. Yes, after successful application, users will get a credit line, which can be used on WeChat and Alipay.
1. First open the mobile phone construction bank APP, log in to your account, and click Long Pay in the function module above.
2. Enter the Longka Payment page and find the last Longka loan below.
3. When applying for opening for the first time, you need to fill in your own detailed information, including name, ID card, contact person, etc. , check the agreement, and then click the Open Now button at the bottom.
4. Enter the payment password. The payment password is different from the login password. The dragon paid the password.
5. After accurate input, it will automatically return to the page where the application was submitted successfully.
6. Lend money after approval by CCB.