After all, college students' credit cards are special credit cards. I wonder if your local CCB can handle the installment? According to the regulations of the head office, all the main cards of Longka Credit Card issued by CCB should be able to apply for installment payment. The time and method of application are related to the staging method you want to choose.

The installment payment of CCB credit card consumption is applicable to the main cardholders of Longka credit card. Only when the cardholder spends 65,438 RMB+0,000 RMB or its equivalent on a single credit card can he apply for installment payment. He can freely choose 3, 6, 65, 438+02, 65, 438+08 and 24 issues (once a month). Cardholders must dial 400-820-0588 (please dial 02 1-38690588 for non-400 service areas and 86-2 1-38690588 for overseas customers) during the period from the start of consumption to two days before the latest bill date. After accepting the application, CCB will handle it within 2 days, and the audit result will be notified by SMS.

The installment of CCB's credit card bill means that from the day after the bill date to the final repayment date, the cardholder applies to CCB to repay a certain amount of RMB consumption in installments (only once every 30 days). The minimum application amount is 500 yuan RMB, and the maximum application amount does not exceed 90% of the total amount of RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by CCB). There are many channels to apply for bill installment, including:

(1) WeChat application: Pay attention to WeChat official account of China Construction Bank, bind the credit card, and click Credit Card-Bill Installment-click here to apply for installment.

(2) SMS application: use the mobile phone number reserved in China Construction Bank, edit the SMS "last 4 digits # amount # period" and send it to 95533.

(3) Application for Mobile Banking: Enter "CCB Mobile Banking" and click "Credit Card"-"Application for Bill Installment" in turn.

(4) Online application: individual online banking users click to apply for bill installment, and select "Credit card inquiry-select-inquire about issued bills-apply for bill installment". Credit card channel registered users directly click to apply for bill installment and select "-bill-RMB-apply for bill installment".

(5) Telephone application: Call the customer service telephone number of China Construction Bank at 400-820-0588, and you can apply for self-help or manual customer service according to the language prompts.

The premise of your installment is that the single consumption is above 1000 yuan, which is called "consumption installment". If this condition is met, you can call the Credit Card Center of China Construction Bank directly and manually tell you which installment to make, and then you can pay it back monthly.

And you use a college student card, so there is no handling fee for your installment. (Generally, there is a corresponding handling fee for the credit card installment of CCB-six thousandths, seven thousandths and seven thousandths for three months, six months and twelve months respectively. )

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According to your supplementary question, it is impossible to do staging at present. If it is really difficult to repay, you can pay the minimum repayment amount first without affecting your credit. Pay off the money as soon as you have it, to avoid higher cyclic interest.

How to buy a car with CCB credit card

If customers need to buy cars by stages in CCB, they can buy cars by stages in the following ways:

1. Purchase cars by stages through CCB outlets and cooperative dealers;

2. Log in to the mobile banking of China Construction Bank, register your intention to buy a car by stages through "Credit Card-Card Service-I want to buy a car by stages", and then the full-time account manager of CCB will contact you to purchase a car by stages.

(In case of business changes, please refer to the actual situation. )

What conditions do CCB need for interest-free loans? You must have these basic conditions.

When going to the bank to apply for a loan, every borrower wants his loan interest rate to be as low as possible. After all, the lower the loan interest rate, the less interest you need to pay. Even some borrowers want to apply for interest-free loans. What are the conditions for the interest-free loan of CCB? Everyone must have these basic conditions!

What conditions do CCB need for interest-free loans?

1. CCB's interest-free loan has four basic conditions.

2. The borrower must be a citizen of China, aged 65,438+08 and under 45 years old. Foreigners can't apply.

3. Have a stable address and a local permanent address, that is, a fixed residence. Good credit and repayment ability, stable work and income, and no bad credit record. Interest-free loans are different from other loans and need to provide guarantees and guarantors.

4. After all, the purpose of interest-free loans is project construction or self-employment, and CCB can also apply for interest-free decoration loans. If it is used for project construction or self-employment, then the project is feasible, which is conducive to the sound development of social economy and has good social and economic benefits.

After meeting the above basic loan conditions, the borrower also needs to meet some special conditions. For example, if you want to apply for a renovation loan from CCB, you must hold a credit card from CCB, otherwise you cannot apply for a loan. If users have non-business cards, student cards, supplementary cards and dragon cards other than security cards, they can apply for loans. Holders of this card can apply directly to the CCB counter or choose to apply online.

The above is the related content sharing of "What are the conditions for interest-free loans of CCB", hoping to help everyone!

How much is the handling fee for buying an interest-free loan? It is more favorable to buy a car with an interest-free loan.

Everyone is familiar with car loans, but after CCB bought a car with zero down payment and interest-free loans, everyone began to get impatient. Many friends want to apply, because it is more comfortable to buy a car without interest pressure, but interest-free loans also require car loan fees. So how much is the handling fee for CCB to buy a car with an interest-free loan? What are the modes for CCB to buy interest-free loans?

I. Conditions for CCB to buy a car with an interest-free loan

1, a natural person with full capacity for civil conduct

2. Have a local permanent residence or valid residence status and a fixed detailed address.

3. Have a proper occupation and a stable and reliable source of income.

4. Holding the agreement or contract signed with the dealer designated by the lender for the purchase of designated brand cars.

5. To provide mortgage or pledge with the property recognized by the lender, the guarantor shall be an individual or unit recognized by the lender with compensatory ability and joint liability.

6. If the car buyers are husband and wife or family members, they must apply together.

Two, CCB car interest-free loan model

Hyundai Honda, Dongfeng Honda, Da Yue Kia, Geely, FAW Mazda and FAW-Volkswagen Audi.

3. What is the handling fee for the interest-free loan of CCB?

The handling fee for CCB's interest-free loan to buy a car is based on a car with a total price of10.2 million, and the down payment is 40%, that is, the maximum loan amount is 72,000 yuan. Generally, according to bank regulations, the down payment is 50,000 yuan, and the total installment amount is 70,000 yuan. According to 12 installment payment, the monthly repayment is 70,000 yuan/12 = 5,833 yuan, and the handling fee is 70,000 yuan. If the car loan is interest-free, the total cost of car purchase is 122450 yuan.

If you choose a one-year automobile consumption loan, the total cost is 70,000 yuan plus loan interest, then the total cost of buying a car is125,229 yuan. It is not difficult to see that it is more affordable to buy a car with an interest-free loan.

The above is an introduction to the handling fee of interest-free loan for car purchase. I hope I can help you.

Which cars of China Construction Bank have interest-free loans?

If the credit card of CCB is used for installment, the following models are Mazda, Dongfeng Da Yue, Beijing Hyundai, Guangqi Honda and Skoda with 0 handling fee and 0 interest rate.

The interest-free loan of CCB to buy a car is a "direct loan for car", that is, the buyer first borrows from CCB and then goes to the dealer to buy a car.

The characteristic of this business is that it does not occupy the credit card itself, and the bank will give another special installment quota for use, but this money is earmarked and can only be used by designated cooperative merchants.

In terms of fees, the bank will not charge interest as long as the bill is paid in full and on time. As for the installment fee, it depends on the actual handling situation, and some have no installment fee. In terms of the number of issues, the shortest is 12 and the longest is 36.

Extended data:

China Construction Bank has an interest-free loan line, but the borrower can only handle it after meeting certain conditions. At present, China Construction Bank has two kinds of interest-free loans, namely, national student loans and venture loans. Among them, national student loans are generally only provided to college students.

The interest-free loan fee for buying a car is 3.5%. Take a car with a total price of 6.5438+0.2 million as an example. A down payment of 40% means the maximum loan amount is 72,000 yuan. Generally, according to bank regulations, the down payment is 50,000 yuan, and the total installment amount is 70,000 yuan. According to 12, the monthly repayment is 70,000 yuan/12 = 5,833 yuan, and the handling fee is 700,003.5% = 2,450 yuan. If the car loan is interest-free, the total cost of car purchase is 122450 yuan.