How to get a CCB credit card loan in 2018? These are the only steps to apply!

Nowadays, credit cards have become an essential life tool for young people. Many people like to get loans through credit cards. Today I will tell you how to get a CCB credit card loan in 2018. Friends who need to apply for a loan, come and find out!

In 2018, the main lending model of CCB’s credit card loans is cash installment. The cash installment loan limit does not exceed the credit card credit limit, and the minimum loan amount is more than 500 yuan. CCB credit card loan has five usage periods: 3, 6, 12, 18 and 24 months.

1. Download the China Construction Bank mobile APP on your mobile phone, register and log in, and find the credit card page;

2. Enter the "Credit Card Page", select "Cash Installment Application", and enter CCB Credit Card Loan Application Procedure;

3. Fill in your information according to the prompts (generally speaking, after binding a credit card, you do not need to add much information);

4 . After submitting the loan information, just wait for the review (CCB credit card loans are reviewed in real time and credited immediately).

In addition, application channels such as WeChat banking and personal online banking are similar to mobile banking. You can choose according to your own preferences and habits. In general, it is more convenient to apply for a CCB credit card loan in 2018.

How to get a CCB loan? What does the process look like?

Submit an application - review the information - verify the loan.

To put it simply, this is the process. But each step in these processes will have some detailed requirements.

The bank will decide whether to carry out this loan business mainly based on the loan amount, repayment ability and other reference factors.

Huidong Ni is a financial APP launched by China Construction Bank. It evaluates corporate credit based on big data such as transaction settlement and tax records, and provides credit services to small and micro enterprises online throughout the entire process, without the need to pay guarantees, assessments, and " Additional fees such as "bridge turnover" can significantly reduce the loan costs for small and micro enterprises.

There are several different products in the CCB Huidong Ni APP, and the required application conditions are slightly different. Let’s take a look.

1. CCB Quick Credit Loan

This is a credit loan from CCB Huitiao Ni. It is unsecured and unsecured. You can apply online directly through your mobile phone. You can borrow at any time. Also, interest is calculated on a daily basis.

Supplementary application conditions: Hold CCB financial assets (including deposits, financial management, etc.) or be a CCB integrity tax paying enterprise.

2. China Construction Bank Mortgage Quick Loan

This large-amount loan product requires online application and review. After passing, go to the local CCB outlet to sign a contract. It is suitable for real estate mortgages or secondary housing mortgage loans. For small and micro enterprises that use sequential mortgages, they also have a product that calculates interest on a daily basis and can be borrowed and repaid at any time.

Supplementary application conditions: Have high-quality real estate or have a personal housing loan from China Construction Bank.

3. CCB pledge quick loan

It is similar to credit quick loan. The difference is that to provide pledge products, you need to hold personal or corporate financial assets (including deposits, financial management, etc.) in CCB.

4. CCB Platform Quick Loan

If you are a small and micro enterprise on a cooperation platform such as an e-commerce store owner, government, or supply chain, you can apply for this CCB product, also online If the operation is successful, interest will be calculated on a daily basis and you can borrow and repay at any time.

The steps to apply for a loan through the "CCB Hui understand you" APP are as follows:

1. Search and download the "CCB Hui understand you" APP through the mobile application store (Apple and Android) and log in (When logging in for the first time, you need to register as a user and complete real-name authentication according to the prompts);

2. Select "My-My Business-Create Company" and create business information according to the prompts (only corporate legal persons or shareholders can add Enterprise);

3. Click "I want a loan—Loan—Apply Now" to initiate the shareholders' meeting;

4. Each shareholder enters the "Huidongni Micro Service" WeChat applet to participate Shareholders meeting and click "I am a shareholder, I want to participate in the online shareholders meeting" and complete the authorization according to the prompts;

5. The actual controller of the enterprise logs in to the "CCB Hui understand you" App and accepts the authorization according to the prompts;

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6. Click "Loan Application" and CCB will help you understand how the loan process is very simple. First download the CCB Huidongni App, follow the prompts to register and complete real-name authentication, then select a loan product according to your loan needs, click to enter the loan application page, and then fill in the relevant information according to the page requirements, such as the full name of the company, industry, and business operating income and tax amount, etc. Once completed, submit the application to complete the loan application.

How to get a CCB personal credit loan?

1 CCB personal credit loan applicants need to bring their ID card, proof of work, proof of income, proof of property, etc. to a CCB business outlet, fill in the "Loan Application Form" and provide the necessary information before applying. .

2The applicant then waits for the China Construction Bank to investigate and review the credit status and information. After passing the review, the applicant signs a loan contract with the bank.

3 Applicants who pass the review of CCB will sign a loan contract with CCB, and also sign a mortgage contract, pledge contract, or guarantee contract according to the loan guarantee method.

4 Carry out contract notarization. If a mortgage guarantee is required, you must also cooperate with the bank to handle mortgage registration and other related procedures. According to the regulations of China Construction Bank, go through procedures such as real estate insurance, mortgage registration or contract notarization.

5 CCB will issue the loan in accordance with the contract, the bank will transfer the funds to the designated account, and the loan processing will be completed.

How to get an installment loan with a CCB credit card? What are the conditions?

China Construction Bank has always had many customers, many of whom have applied for credit cards or loans at China Construction Bank, and CCB credit card installment loans have always been very popular. So, how to get a CCB credit card installment loan? What are the conditions for the loan? Let me answer it for you today.

1. A credit card from China Construction Bank

If you want to apply for a credit card loan from China Construction Bank, you must first have a credit card from China Construction Bank, and it should be noted that this kind of credit card has The limit cannot be too low, because your cash withdrawal limit and installment loan credit limit are determined based on the credit limit of your credit card. So if your limit is not high, you won’t be able to borrow much money.

It doesn’t matter if your credit limit is not high. You can use your card to spend more, or provide sufficient proof of your assets and financial resources, and let China Construction Bank increase the limit of your credit card. After the limit is increased, you can apply for a loan. .

2. The credit card usage record must be good

If you want to apply for a credit card loan, you must have a good credit record. Only the credit card is in good condition and has no overdue repayments. Only by keeping records can you easily get a loan. If you are overdue for more than 3 times or the cumulative number of overdue days exceeds 10 days, the bank will still refuse to apply for a loan for you.

The above is the answer to "How to get a CCB credit card installment loan? What are the conditions?" In fact, there are two conditions for a CCB credit card loan. One is to have a CCB credit card with a good limit, and the other is this The credit card has a good repayment record and no overdue records. Generally, if these two conditions are met, it is quite simple to get a CCB credit card loan.

How to borrow money with CCB credit card? Try these methods

After applying for a CCB credit card, in addition to overdraft consumption, you can also use it to borrow money, and there are many ways.

Some card friends may not know much about borrowing money with CCB credit cards. Here is a brief introduction to the most common ways to borrow money. I hope it can help those who are in urgent need.

How to borrow money with CCB credit card?

1. Credit card cash advance:

Refers to cash withdrawals within the credit card limit. The maximum limit is 50% of the credit card's approved limit, including cash withdrawals, cash transfers and cash installments. Way.

1) Cash withdrawal means that the cardholder obtains the funds in the credit card limit in the form of cash through counters, smart tellers, and ATMs at CCB outlets. The daily limit for each card is 20,000 yuan, and the monthly limit is 5 Ten thousand yuan, a handling fee of 1% of the transfer amount will be charged for each transfer, and interest will be charged from the date of entry into the account, at a rate of 0.05% per day. The principal and interest will be paid off in one go after the bill is issued.

2) Cash transfer means that the cardholder transfers funds within the credit limit to his or her own bank savings account through CCB mobile banking or online banking. Except for the different methods, the limit and interest charges are the same as those for cash. The withdrawals are consistent;

3) Cash installment refers to transferring the funds within the credit card limit to your bank settlement account, and then repaying it in installments. There are 3, 6, 12, 18, and 24 installments to choose from, and payment is required Handling fees, monthly base rates are 3, 6, 12, 18, 24, credit card loans:

In fact, it is a special quota installment business, with CCB Installment Pass, the maximum credit limit is 300,000 yuan. The bank will grant comprehensive credit based on the cardholder's credit status. After successful application, a special installment card will be issued. The applied amount will be transferred to the special installment card. You can use the card to make purchases at designated merchants, but you cannot directly obtain cash. .

How to get a Construction Bank credit loan installment loan? Can China Construction Bank be divided into 36 tranches?

When it comes to bank credit loans, many borrowers will think of China Construction Bank’s credit installment loans. Among the many online small loan products of banks, CCB’s installment loans have always attracted a large number of users and have a good reputation. How to get a Construction Bank Credit Loan Installment Loan? Can China Construction Bank be divided into 36 tranches? Let’s find out together!

How to get a Construction Bank credit loan installment loan?

To apply for a credit loan and installment loan, the borrower first needs to meet the basic loan conditions: aged 20-55, a natural person with full capacity for civil conduct; a fixed residence; and a stable and legal source of income. , have the ability to repay the principal and interest of the loan on time; have good credit, no bad credit record in the personal credit system of the People's Bank of China; and have existing high-quality personal housing loan/provident fund loan customers.

After meeting the basic conditions for the CCB credit loan installment loan, the borrower can go to the bank to apply directly according to the installment loan product he wants to apply for, or he can also apply directly online. For example, to apply for a CCB quick loan, the borrower can directly log in to mobile banking, select "Personal Loan", click "I want a quick loan", and then apply directly.

Generally speaking, if you want to apply for a relatively large loan product from CCB’s installment loan, it is best for the borrower to have certain business dealings with CCB. For example, you can buy financial products and insurance from CCB, or you can apply for a credit card at CCB.

Can China Construction Bank be divided into 36 tranches?

Yes, the longest installment period of China Construction Bank installment loan is 5 years, that is, 60 installments. Different loan products also have different installment times. For example, with CCB Quick Loan, you can choose up to 36 installments. When borrowers choose the installment time, they can choose it according to their actual situation.

The above is the sharing of relevant content about "How to get a Construction Bank Credit Loan Installment Loan". I hope it can help everyone!

That’s it for the introduction of how to get a credit card loan from China Construction Bank.