Relevant regulations on mobile banking of Bank of China:
1. Personal housing loan business?
Personal housing loan business includes loans issued by China Construction Bank or natural persons entrusted by China Construction Bank to purchase, build and overhaul various houses in Chinese mainland towns.
CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal re-trading housing loan, second-hand housing loan, commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans.
CCB supports the reasonable housing loan demand of residents' families. For families who purchase the first home by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. According to the borrower's purchase situation, credit history, repayment ability and other factors.
2. Credit card business
China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many kinds of credit cards.
The credit cards issued by China Construction Bank are all named "Longka". The types of dragon cards that have been publicly issued include: Dragon Card School Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (Masters Cup) Tennis Card.
3. Silver Star International Express
CCB Silver Star International Express Remittance Service is a personal international express remittance service jointly launched by CCB and Silver Star International Express Remittance Company. It refers to the small-scale international remittance business that CCB accepts the entrustment of customers to remit personal foreign exchange remittances or personal foreign exchange funds abroad through Yinxing Express Company.
Therefore, the online banking of China Bank cannot transfer US dollars to other people's BOC accounts in the same city.
Extended data:
China Bank's mobile banking function:
1. Consume first and then repay, and enjoy an interest-free repayment period (up to 56 days) with a minimum repayment amount. In case of overdraft, customers can repay by installments. Customers need to pay a certain amount of annual fee to the applicant bank.
2. Prepaid wallet debit card that transfers funds to the card for storage according to the cardholder's requirements and directly deducts money from the card during the transaction.
3. The cardholder should deposit a certain amount of reserve fund according to the requirements of the bank. If the reserve fund is insufficient to pay, the credit card can be overdrawn within the credit limit stipulated by the issuing bank.
4. Single currency single account credit card with interest-bearing deposit and RMB consumption by swiping card, which has the functions of transfer settlement, cash deposit and withdrawal, credit consumption, online banking transaction and so on. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.
China Bank official website-Introduction to Online Banking
Baidu Encyclopedia-China Bank