China Construction Bank has many high-quality credit products, such as fast loans and personal consumption loans. Many people will encounter various financial problems in their daily life, so CCB loan is a better choice. Today, I will briefly introduce how to apply for CCB, hoping to help everyone.

First, the construction bank application conditions

There are all kinds of banks, and the application threshold is generally low, which is suitable for individual office workers, and they can pay quickly and solve the financial problem quickly.

1. The borrower applying for CCB must be an adult mainland citizen with full capacity for civil conduct;

2. Applicants also need to have a stable and high-paying job as a strong guarantee for repayment. Sometimes CCB will require applicants to provide proof of business premises or relevant work certificates;

3. Personal credit reporting is also a key point that CCB will pay attention to when applying. If the applicant has overdue records or is blacklisted by the bank, it is absolutely impossible to successfully apply for CCB;

Warm reminder: CCB also requires the use of loans, which cannot be used for gambling or stock trading.

2. How does CCB apply?

Now you can apply for CCB through online, mobile phones, outlets and other channels. Users with better personal qualifications can apply directly online, which is fast and does not need to go to the bank.

If you need a large loan, it is recommended to apply at the outlet. With the help of the credit manager, you can provide more comprehensive information and the success rate of applying for a loan will be higher.

Introduction to the application conditions of CCB loan conditions

What are the loan terms of CCB? It is reported that when our life is in trouble, or when we need funds to do other things, we need to go to the bank for loans. This kind of loan belongs to our personal loan, not to commercial loans.

Application conditions: 1,1Chinese mainland residents over 8 years old; 2. Have a stable address and work or business place; 3. Have a stable source of income; 4. There is no bad credit record, and the purpose of the loan cannot be used for stock trading and gambling; 5. Other conditions required by the bank.

Processing flow: 1. Submit an application to a local bank or lending institution; 2. Prepare various materials required for the loan; 3. Face-to-face signing of banks or lending institutions; 4. The bank examines the qualifications of the lender; 5. Approved and successful loans.

Personal credit loans are mainly secured by personal credit, so people with good credit records are more likely to get loans. Every year, you should log in to the central bank's credit information system to check your credit records and personal credit status. If problems are found, they can be solved as soon as possible.

Personal loan repayment method: 1. In accordance with the provisions of the signed loan contract, the monthly repayment is equal. The customer shall voluntarily deposit the monthly loan principal and interest into his house purchase savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment; 2. prepayment: the customer should apply to the bank one month in advance, and the loan interest can be exempted in advance, but the interest rate is still implemented at the same time as the original loan term. Calculation of loan repayment If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum, and the interest will be paid with the principal; If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments.

How does CCB borrow money?

With the vigorous development of the lending industry, many enterprises have found huge business opportunities. Of course, banks also see the great potential of lending. China Construction Bank, as one of the five largest banks in China, what are the application conditions and how to operate?

CCB application conditions:

1. Loan object:

CCB's personal network silver shield customers have successfully registered financial and business members and opened mall accounts.

Open a personal bank settlement account in China Construction Bank.

Other conditions stipulated by the Construction Bank.

2. Loan term: the validity period of the loan line shall not exceed 1 year (inclusive); The longest term of a single loan within the personal line shall not exceed 1 year (inclusive).

3. Loan amount: the minimum personal pre-credit amount is 1 1,000 yuan, and the maximum is 300,000 yuan. Customers can apply for loans below this amount.

4. Loan purpose: Individuals support the purchase of goods or services sold by the contracted merchants of Shanrong Commercial Personal Mall of China Construction Bank.

5. Repayment method and repayment date: the personal repayment method is entrusted deduction, and the repayment date is the opposite day of each month of the loan issuance date. When the customer repays, he must deposit the repayment amount into the repayment account agreed in the contract, and CCB will automatically deduct it from the agreed repayment account on the repayment date.

CCB application process:

1. Activate or query the pre-credit line. You can activate it through Shanrong Business Personal Mall or CCB Personal Loan Center, and check the credit line granted by CCB in advance through internal evaluation and approval.

2. Buy goods. You choose goods in Shanrong Business Personal Mall, and generate an order after choosing personal loan to pay.

3. Apply for a loan. When paying in Shanrong Business Personal Mall, select "individual" to submit a loan application to CCB.

4. Loan review. CCB will comprehensively evaluate your credit status and loan application, conduct online real-time audit and feedback the results.

5. Sign a loan contract. After being audited by CCB, it is necessary to sign a loan contract online.

6. Loan issuance. Loan issuance needs to verify the password of the network silver shield. After the verification is successful, the loan will be distributed to the designated account and the credit funds will be transferred according to the agreed conditions.

How does CCB lend personally?

1. CCB personal standards and conditions: personal loan, loan amount (1 0,000-200,000), loan area (local area), loan start 1 0,000, term 1-2 years, loan interest rate: annual interest rate (. Requirements: (1) I need to provide a copy of my valid certificate (such as ID card and household registration book), a two-inch color photo, and my home address, home fixed telephone number or my fixed contact number. Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, verify the submitted materials and submit them for approval, and pay within half an hour at the earliest. Enterprise loan: loan amount (1-500,000), term (1-3 years), loan interest rate: annual interest rate (8- 10%). Requirements: (1) Copy of business license, tax registration certificate, organization code certificate and legal representative's ID card. Requirements: (b) At the same time, the company requires the applicant to submit relevant materials, verify the submitted materials and submit them for approval, and make payment within 1-2 days at the earliest. Self-employed loan: loan amount (500,000-300,000), term (65,438+0-3 years), loan interest rate: annual interest rate (65,438+00%). Requirements: (1) Copy of business license, tax registration certificate and ID card. Requirements: (b) At the same time, the company requires the applicant to submit relevant materials. After verifying the submitted materials, you can give the customer a clear answer on whether to approve the funds within 1 hour, and make payment within the second day of the earliest application. Second, the advantages of the loan: (1) Optimization of repayment methods (quarterly repayment of interest and repayment of principal at maturity); The loan can be used for enterprises, house purchase, car purchase, decoration, education, etc. ); Large loan amount, fast payment time and short process; , you can repay the loan in advance without liquidated damages; Long loan period and quick and simple procedures; If the loan is unsuccessful, the customer will not be charged any fees; Third, the loan process: basically in line with the bank's formal loan procedures → capital verification → signing a contract → receiving cash → paying interest quarterly → repaying the loan when due.

Ccb credit card conditions

The basic conditions of CCB credit card are: (1) First, Chinese mainland residents; (2) Having a stable address and place of work or business; (3) A stable source of income; (4) Fourth, there is no bad credit record, and the loan cannot be used for stock trading or gambling.

Materials required for CCB's credit card application: (1) Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; (2) Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates; (3) Provide stable proof of income source, bank flow sheet and labor contract.

Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment. China Construction Bank will generally make an assessment based on the credit limit of your credit card, the current credit status of your credit card and your assets, and decide whether to lend or not and the loan amount according to different people.

50,000 conditions of China Construction Bank

I. Individuals

1, a legal citizen of Chinese mainland who has reached the age of 18;

2. Have a fixed job and a stable source of income;

3. Valid identity documents (ID card, household registration book);

4. Good personal credit;

5. Loans shall not be used for proper purposes such as stock trading or gambling.

Second, self-employed loans.

1, personal identification information (including a copy of ID card);

2. A copy of the business license;

3. A copy of the tax registration certificate.

Third, corporate loans.

1. Relevant information of the applicant (including a copy of ID card);

2. A copy of the business license of the enterprise;

3, a copy of the enterprise tax registration certificate;

4. Copy of organization code certificate.

Extended data:

Overdue loans will have the following different consequences due to different reasons:

1. Ignoring overdue: Ignoring overdue is a phenomenon that many people will appear, not deliberately defaulting on loans, which is also the easiest to solve. First, find the overdue money as soon as possible, and then call the bank to explain the reasons. Generally, there is a grace period within 3 days, and the bank can issue a non-malicious overdue certificate after 3 days.

2. Credit card overdue: If the bank credit card is overdue, the first thing to do is to pay off the arrears. Need to be reminded, don't cancel the card immediately and continue to use it. Because in the credit report, the credit card repayment record is a rolling record of the last 24 months. Continued use will clear the expired record, but if the card is cancelled immediately after expiration, the record will be permanently stored there.

This is the end of the introduction of CCB's small consumer loans, and the interest rate of CCB's small consumer loans. I wonder if you have found the information you need?