What are the CCB credit card installment loans? Introduction to four types of installment loans

China Construction Bank has always had a very good reputation. Whether people are applying for a credit card or handling a loan, they will consider China Construction Bank as one of their choices. There are also many CCB credit card installment loans. type. So, what exactly are CCB credit card installment loans?

1. CCB Installment Pass

CCB Installment Pass is mainly used for loans to purchase large amounts of durable consumer goods, weddings, childcare, settling down, paying taxes, health, etc. It is widely used and covers Covering all aspects of food, clothing, housing and transportation. It has a special credit line, up to 150,000 yuan. The handling fee is preferential, and the maximum number of installments is 36.

2. Long Card Credit Card Decoration Installment

Long Card Credit Card Decoration Installment is mainly used for loans to decorate homes and home appliances. The loan limit can be up to 1 million, and the installment can be divided into up to 48 installments. And it has no mortgage guarantee and zero interest preferential rate. For more information click here for details.

3. Longka Car Purchase Installment

Longka Car Purchase Installment is mainly used for customers to purchase private cars. Its exclusive quota, the car purchase installment limit can reach up to 500,000 yuan, and the fee Discount, the best one can enjoy zero handling fee, and the installment is flexible, with a maximum of 48 months of installment repayment. New card customers can also apply.

4. CCB Quick Loan

CCB Quick Loan is a "Quick Loan" and is a full-process online self-service loan for CCB personal customers. Customers can complete the loan online through CCB electronic channels, including real-time Application, loan approval, contract signing, disbursement and repayment. It includes Kuai e-loan, Rong e-loan, pledge loan, etc.

The maximum limit of Kuai e-loan is 300,000 yuan, the loan period is up to 1 year, and it can be used repeatedly. The maximum amount of Ronge Loan is 5 million yuan, the loan term is up to 5 years, and it can be recycled. The maximum amount of pledged loan is 3 million yuan, the loan term is up to 1 year, and it can be recycled.

The above is a summary of CCB’s credit card installment loans. CCB’s credit card installment loans are rich in variety and can meet customers with various needs. Friends who want to apply for installment loans at CCB can refer to the above content according to their own needs. Choose to process.

What are the loans from China Construction Bank?

What are the loans from China Construction Bank?

Currently, the main loan products of China Construction Bank are as follows: credit loan, Shanrong loan, entrepreneurial loan, Shuiyidai, POS loan, settlement through. These six products have different characteristics for different applicable objects.

Credit loan

Applicable objects: high-end customers of China Construction Bank, high-quality small and micro enterprises, small and micro enterprises with key government support and potential.

Loan limit: The maximum loan limit for a single household is 5 million yuan, and the revolving limit is valid for up to one year and can be used repeatedly.

Loan term: The disbursement period shall not exceed 12 months. Purpose of loan: only used for short-term production and operation activities of enterprises.

Product features: No guarantee measures are required, application is convenient, the procedure is simple, and the loan is quick.

Shanrongdai

Applicable objects: Small and micro enterprises with stable settlement and a certain amount of capital accumulation, small-amount no-loan accounts of China Construction Bank.

Loan limit: The maximum loan limit for a single household is 2 million yuan, and the revolving limit is valid for up to one year and can be used repeatedly. Loan term: The disbursement period shall not exceed 12 months.

Loan purpose: only used for short-term production and operation activities of enterprises.

Product features: For China Construction Bank settlement accounts, pure credit, fast approval, easy to handle, and recyclable.

Entrepreneurship Loan

Applicable objects: Small and micro enterprises that are “employed, successful, and trustworthy”; small and micro enterprises that are operating well and have no other operating loans.

Loan amount: The maximum single-family loan is 800,000 yuan, and no more than 20% of the sales revenue in the previous 12 months.

Loan term: The disbursement period shall not exceed 12 months. Purpose of loan: only used for short-term production and operation activities of enterprises.

Product features: Pure credit loan without collateral, fast loan approval.

Shiyidai

Applicable objects: Small and micro enterprises that pay taxes in full and on time, have good operating conditions, and have good tax grade records.

Loan limit: The maximum loan limit for a single household is RMB 2 million, and the revolving limit is valid for up to one year and can be used on a recurring basis.

Loan term: The disbursement period shall not exceed 12 months.

Loan purpose: only used for short-term production activities of enterprises.

Product features: high credit limit, pure credit, fast approval, easy processing, and flexible spending.

pos loan

Applicable objects: CCB pos acquiring merchants, operating in a standardized manner, with no bad credit report of the enterprise and shareholders, and operating period of more than two years.

Loan limit: The maximum loan limit for a single household is 2 million yuan, and the revolving limit has a maximum period of one year and can be used repeatedly.

Loan term: The disbursement period shall not exceed 12 months. Purpose of loan: only used for short-term production and operation activities of enterprises.

Product features: Unsecured credit loan, you can apply for it at any time within the limited period, the application threshold is low, and the application time is short.

Settlement through

Applicable objects: small and micro enterprises with stable settlement and a certain amount of capital accumulation, and small-amount no-loan accounts of China Construction Bank.

Loan limit: The maximum loan limit for a single household is 500,000 yuan, and the revolving limit is valid for up to one year and can be used repeatedly.

Loan term: The disbursement period shall not exceed 12 months. Loan purpose: only used for short-term production and operation activities of enterprises.

Product features: credit method, automatic triggering, diverse channels.

I would like to ask how to get a CCB credit card loan

1. Open the CCB app on the desktop of your mobile phone.

2. Open the China Construction Bank app and click on the arrow in the upper left corner of the page.

3. Next, click Login.

4. After logging in, click on the small and micro quick loan pointed by the arrow.

5. In the page that appears next, select the loan you want to apply for and click Apply.

Can I get a loan with a CCB credit card?

I can get a loan with a CCB credit card. Credit card loans are divided into car purchase installments, cash installments, consumption installments, decoration installments, merchant installments, etc.

The borrowing channels for CCB credit card loans include: mobile banking, WeChat banking, personal online banking, ATMs, Shanrong Business, branch smart teller machines, branch counters and self-service voice.

Credit card loans refer to banks granting a certain amount of money based on the credit card holder’s credit status, and the cardholder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment.

The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure.

Handling fee: You do not need to pay bank loan interest when purchasing a car in installments with a credit card, but you will need to bear a one-time handling fee. Handling fee = installment amount

Loan term: The maximum term for installment car purchases is generally 24 months.

Down payment: When purchasing a car by credit card installment, you generally need to pay a down payment of no less than 30% of the car price.

Limit: Each bank stipulates the loan amount for credit card installment car purchases. For example, China Construction Bank stipulates that the installment amount for car purchases ranges from 20,000 to 200,000.

Credit card loan to buy a car is a credit card installment business launched by the bank. The credit limit that cardholders can apply for is generally 20,000-200,000; there are three types of installments: 12 months, 24 months, and 36 months; there is no loan interest rate for credit installment car purchases, and the bank only charges a handling fee, and the handling fees for different installments are Rates vary.

Credit card loans for car purchases include zero interest in installments, preferential handling fees, no guarantee, and no mortgage. You also enjoy credit card points rewards, without the burden of high loan interest, and you are also exempted from the tedious mortgage procedures. By applying to the bank Just provide some materials to apply for a special credit card and pay the one-time handling fee. The disadvantage is that the car models and prices are limited, but most commonly used models can be selected.

Shopping mall installment is one of the bank credit card consumer credit services. That is, when credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into 3, 6, or 12 installments. Payment can be made in several installments (months) such as one or 24 installments.

Repay the amount on time according to the credit card bill in each period (month).

When the cardholder chooses to go to a bank's designated installment merchant store and complete the installment payment through a designated POS machine, it is called "mall installment payment" or "mall installment" for short.