What does the CCB personal loan contract explain?

Loan contract:

①The loan contract means that the financial institution is the lender and accepts the borrower’s application to the borrower. An agreement to provide a loan and the borrower to return the loan principal and pay loan interest when due;

② The borrower should use the loan according to the agreed purpose and cannot be used for illegal purposes. The purpose of the loan specified in the loan contract shall not violate the state's restrictions on business operations, franchise operations, and laws and administrative regulations prohibiting business operations;

③ Clarify this clause so that the borrower can protect his or her own use of funds. Rights; for lenders, they can supervise the flow of funds, ensure the return of funds, and control risks.

China Construction Bank’s loan contract number

The China Construction Bank loan contract number is on your loan contract. If your loan contract is not with you, you can check it through China Construction Bank’s mobile banking. Method:

1. Log in to China Construction Bank Mobile Banking;

2. Select the loan column;

3. Select My Loan and find the loan item. Click Details;

4. Then you can see your loan account number, which is the contract number.

Operating environment:

Brand model: Honor x30Max

System version: magicUI5.0

App version: v5.7.0

The loan contract number is a numerical number set by the bank for the convenience of management and search of loans for different users. It is usually printed directly on the home page of the loan contract. Generally, the loan contract number will be on the cover of the contract. The loan contract number usually consists of letters and numbers. However, we need to note that each bank has different regulations, and the loan contract number is not necessarily the number of the paper contract. For example, Guangzhou Industrial and Commercial Bank of China and Agricultural Bank of China have stated in their public accounts that the paper contract number of personal mortgage loans is not necessarily the loan contract number.

If we want to know what the code of our loan contract is, we can also take the original ID card to the counter of the bank where we borrowed the loan to consult the staff; or we can call the customer service number of the loan bank and inquire through voice prompts. Some banks will send text messages to inform customers of the loan contract code after they apply for a personal housing loan. We can check whether the mobile phone text message has received the type of text message.

First-level number: Depending on the type of contract, the first-level number is represented by two capital letters. The two capital letters are the first consonant of the first two Chinese pinyin of the contract type. Add the first initial consonant of the first two pinyin Chinese characters of the two contract types before the supplementary agreement. For example: the loan contract is JK, the guarantee contract is TB, the mortgage contract is DY, the loan contract supplementary agreement is JKBC, the guarantee contract supplementary agreement is TBBC, and the mortgage contract supplementary agreement is DYBC. Secondary number: The secondary number is the year, month and day of the day. For example: for a contract issued on March 1, 2018, the secondary number is: 20180301.

Where can I check the CCB loan after it has been disbursed? These three channels can be directly understood

When many users are short of money, they will think of going to the bank to apply for a loan. There are many types of bank loans, and borrowers can apply for different products according to their needs. However, many borrowers do not understand, where can they check the CCB loan disbursement? You can learn directly from these three channels!

Where can I check the CCB loan after it has been disbursed?

1. Bank counter inquiry

The borrower can bring his or her ID card, repayment card and loan contract (or loan contract number) to the bank counter to apply for inquiry. Under normal circumstances, there will be dedicated staff to help borrowers answer relevant questions. Borrowers can learn about the repayment period, principal to be repaid and repayment time, etc.

2. Telephone inquiry

Borrowers can directly call the CCB loan customer service hotline and follow the prompts to dial the landline. Then provide your ID number and contract number to the manual customer service and ask the questions you want to know.

3. Mobile banking APP inquiry

CCB’s mobile banking provides contract signing services. After the borrower logs in to his account, he can click "My Loan" on the homepage of the personal center to inquire. Relevant details.

In addition, the borrower needs to be reminded that if the borrower applies for a CCB credit card loan, the borrower can check his loan principal, loan interest, loan interest and other related content in "Credit Card - Loan" . The borrower can also repay the loan directly to the credit card when repaying the loan. When the loan is withdrawn, it will generally be credited directly to the China Construction Bank Savings Card.

Finally, I would like to remind everyone to be cautious when borrowing money. After applying for a loan, everyone must use the loan rationally and repay the loan on time, rather than causing trouble to yourself if it is overdue.

The above is the sharing of relevant content on "Where to check after the CCB loan is disbursed", I hope it can help everyone!

After the SMS notification of CCB loans is issued on August 5, when will the repayment start for the first time?

Under normal circumstances, after the SMS notification of CCB loans is issued on August 5, repayment will begin for the first time. The payment is due on September 5th, but don’t worry about it being overdue. A few days before the monthly repayment, CCB will also send text messages to remind you of the repayment. However, due to different regions or policies, the repayment time regulations will be different. Please consult your local Construction Bank for specific times.

Repayment method:

Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same;

Equal principal repayment: that is, the borrower will evenly distribute the loan amount to repay each period (month) during the entire repayment period, and at the same time pay off the previous period. A repayment method for loan interest from the transaction date to the current repayment date. In this way, the monthly repayment amount decreases month by month;

Monthly payment of interest and principal repayment on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [with a period of less than one year (inclusive) One year) loan applies], the loan interest is calculated on a daily basis, and the interest is returned monthly.

Extended information:

The first repayment time of the housing mortgage is as follows:

1. After applying for a house purchase loan from the bank and the bank approves it, the lender will be issued a A text message will tell you when the repayment will be made and the monthly repayment amount, or you will call the lender to inform you.

2. In the future, you will repay according to the above schedule. If you delay the repayment, your credit report will record it as overdue, and liquidated damages will also be incurred

Mortgage repayment time:

p>

1. Monthly interest settlement:

If the principal is repaid when it is due, the interest, principal and the last interest will be returned on the contract date starting from the next month (in principle, it can be any day) Return according to the expiry date stipulated in the contract.

2. Quarterly interest settlement: If the principal is due, the interest will be repaid on the 20th of the last month of each quarter. The principal and the last interest will be returned according to the expiry date stipulated in the contract.

3. Monthly principal and interest repayment: The principal and interest will be repaid on the date agreed in the contract starting from the next month (in principle, it can be any day), and the last principal and interest will be returned according to the expiry date stipulated in the contract.

4. If the interest comes with the principal: the principal and interest will be returned according to the expiry date stipulated in the contract.

5. Special circumstances: When the loan is due and it falls on a holiday, it will not be postponed. Customers can go through the repayment procedures when it is due or repay a few days in advance. Therefore, in order to facilitate repayment, when customers borrow money, be careful not to agree on a due date on a holiday.

Deduction details:

1. You need to open a bank card from this bank. When applying for a loan, tell the bank the bank card account number, and the bank will bind it to a repayment account.

2. The bank will automatically deduct money from the account every month.

3. You need to ensure that there is enough money in the bank card to deduct the money.