What is installment payment?
The installment business of China Construction Bank refers to that the applicant applies for a special installment quota (hereinafter referred to as "installment quota") from our bank due to the large consumer demand, and issues a special installment card after approval by our bank, and the applicant independently uses the installment card according to the prior agreement.
The fixed credit line of the card is zero, only the installment line is granted, and the annual fee is free within the validity period of the card. After use, the number of stages will be set automatically, and the corresponding handling fee will be charged. According to the agreed purpose, the card can only be used for large-scale durable goods consumption, automobile, wedding, child care, settlement and healthy consumption.
Other transaction functions, such as cash advance (including cash withdrawal, cash transfer and cash installment), hotel reservation, online shopping, various investment and wealth management business contracts, electronic banking business contracts, various withholding business contracts, mobile payment business and consumption abroad, are restricted, and there is no corresponding preferential card use right.
Tell me my installment plan:
Line:153,000 yuan, the highest line is 300,000 yuan.
Number of periods: 60 periods, with a maximum of 5 years.
Monthly handling fee: 0.4%
Charging method: monthly subscription.
Advantages: No approval is required and no expenses will be incurred. The installment period is long, the capital pressure is small, and the monthly interest rate is not high, with an annual interest rate of 4.8% (monthly interest of 654.38 million 400 yuan). You can repay the loan in advance, without penalty interest, and the capital utilization rate is ok.
How to use:
First, go directly to the counter to find the lobby manager. Filling in the application materials is similar to handling credit.
Second, check whether you are a CCB whitelist, and the whitelist will directly issue quotas.
Precautions for application: CCB pays more attention to the number of credit cards. Too many credit cards will definitely not work. In addition, the transaction approval rate with CCB is very high.
Insert an additional topic today, I hope it will help you. I will continue to share good products with you in the future!
Related Q&A: I organized a installment for CCB today, but I can't. Will there be any charges? If you don't get the installment payment, there is basically no charge and no need to pay it back. If the next payment is made, there will definitely be some expenses.