Product Introduction

1. Amount: up to 300,000 yuan;

2. Loan interest rate: monthly interest rate 0.3-0.4

3 .Loan period: up to 5 years;

4. Repayment method: equal principal and interest;

5. Semester: 60 periods;

6. Applicant Age: 22-55 years old;

7. Application materials: original ID card;

Access conditions (reference)

1. CCB mortgage loan customers, normal repayment 1 year;

2. Provident fund customers of enterprises and institutions;

3. CCB’s payroll customers, stock whitelist pre-approved customers, high-rated and high-star customers;

4. CCB civil servants, prestigious school card customers, and party dues cloud platform customers;

5. CCB customers who have made special installment settlements and customers who have not made special installment settlements;

6. Customers who have held CCB credit cards for more than half a year;

Credit report requirements (reference)

Credit report requirements:

No more than 3 credit card institutions;

The credit card usage limit in the past 6 months shall not exceed 60% of the total credit limit;

The usage rate of CCB credit card limit in 3 months shall not exceed 70% of the total credit limit;

Historical overdue loans shall not be M2 or above;

Credit loans shall not exceed RMB 150,000.

Access area

National access area:

Things to note

After receiving the SMS of successful approval of CCB Installment Pass, You need to log in to mobile banking again and choose to confirm the withdrawal independently. After confirmation, CCB will mail the installment card to the applicant.

Frequently Asked Questions and Tips for Mobile Banking Installment Business

1. If you apply for two installments, if the first installment is not settled, the amount applied for the second time will cover the original amount. , the amount applied for the first time and the installment card will be invalid.

2. When applying for installment subscription, the mobile banking prompts that the email format is incorrect. First, make sure there are no spaces in the characters entered and the input method is English. If the prompt format is still incorrect, you can try entering the mobile phone number in the format of 163.com.

3. The current installment fee is 0.4/month. Please fill in the institution number according to the guidance of our bank's marketing staff to ensure the progress of business application approval.

4. You cannot apply for mobile banking more than three times in a month.

Usage process

At present, installment communication supports online and offline dual-channel processing mode.

If you choose to handle our bank’s installment business through online mobile banking channels

How to handle installment payment business?

If you are a whitelist customer of CCB, you can see the exclusive pre-approval bank provided by CCB. Just select "Apply Now" below.

In the "Fill in Application Information" section, fill in the marked required fields and click "Next" below.

If you are an existing CCB card customer, the system will automatically display the information saved when you applied for the card. Please check carefully and fill in the true information at this stage.

Please note when filling in the information:

Working location

When filling in the work unit, you need to fill in the full name of the unit, such as XX company, XX group, XX group Company etc. (Private owners or individual industrial and commercial households need to fill in the full name of their business license, and taxi drivers need to fill in the name of their operating company)

Landline phone

If your home/workplace does not have a landline phone, You need to fill in another mobile phone number related to yourself.

Finally, CCB will send you a mobile phone verification code, fill it out and submit it.

China Construction Bank’s installment payment service is an installment payment service for customers with good credit records, stable professional income, and normal consumption behavior. China Construction Bank granted them a special installment prepayment credit line in advance to meet their daily large consumer credit needs. After successful application, customers can spend money at designated merchants.

It covers diversified consumption areas such as large-amount durable goods consumption, weddings, childcare, settlement, and health. Related Q&A: Can CCB Installment Card be tied to WeChat and Alipay? As long as it is a bank card issued by your own ID card, China Construction Bank is one of the four major banks, and you can bind it directly on WeChat and Alipay.