Customer Service Phone of Credit Card Center of China Construction Bank: After dialing 95533, press the # key, and then press the voice prompt to select "3 Credit Card Service". If manual service is needed, the cardholder will verify his identity and press the 0 key. If the customer without a card needs to enter the ID number or link after dialing, please press the "#" key directly.
(In case of business changes, please refer to the actual situation. )
Advance repayment process of CCB's personal housing loan
Under normal circumstances, the borrower needs to bring his/her valid ID card, loan contract, real estate license (if the property title certificate purchased by the loan has been processed) and deposit passbook or card of CCB to the loan handling bank for processing. As the actual situation of the borrower is different from the business rules of local branches, please contact the loan handling bank to consult the relevant procedures before handling the prepayment.
If you need the phone number of the loan handling bank, you can inquire through the "Personal Loan Network" function at the lower left of the "Deposit, Loan and Bank Card" menu on the homepage of CCB official website.
(In case of business changes, please refer to the actual situation. )
Call from the personal loan center of Chongqing Construction Bank Branch, answer the phone. I hung up again, thinking I was a liar. Why?
Call 023-639 12050 by mobile phone. If someone answers, try not to use the landline, which will be judged as spam.
Can I choose to repay the commercial loan first if I repay the loan in advance?
Yes, you can.
Because the interest rate of commercial loans is high, the commercial loans that are repaid in advance are the provident fund loans that are repaid after the commercial loans are repaid.
As of 2065438+September 2009, there is no express provision for prepayment of portfolio loans, so you can choose it yourself.
When individuals can't pay the purchase price through provident fund loans, they can apply for portfolio loans from the handling bank entrusted with provident fund loans. After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.
Extended data:
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund.
However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.