China Construction Bank small loan requirements:

1. Loan conditions:

1. A natural person who is 20-55 years old and has full capacity for civil conduct. ; Have local permanent residence or long-term residence certificate, and have a fixed residence.

2. Have a stable and legal source of income, have the ability to repay the principal and interest of the loan on time, and have an annual family income of more than 20,000 yuan; have a credit rating of BBB (inclusive) or above assessed or recognized by China Construction Bank .

3. Have good credit standing and no bad credit record in the personal credit reporting system of the People’s Bank of China.

4. Existing high-quality personal housing loan/provident fund loan customers must meet the following conditions at the same time:

(1) Have made normal repayments for more than two years and have never appeared in our bank Personal loan delinquency history and other defaults.

(2) The current loan balance is less than 50% of the contract amount of the house purchased with the loan; the mortgaged house has been registered as mortgage and other rights certificates have been obtained.

(3) The ratio of the borrower’s current housing loan monthly expenditure to monthly income is not higher than 50%.

5. Existing high-quality provident fund deposit customers must meet the following conditions at the same time:

(1) The provident fund of the unit where they work is collected in our bank, and the unit has been admitted to China Construction Bank.

(2) The period of regular and full deposit of provident fund in China Construction Bank is more than two years (inclusive).

6. There has never been any personal loan default record or other breach of contract in China Construction Bank. and Already admitted to China Construction Bank.

(2) Regular employees who have worked in the unit for more than two years. The definition of "regular employees" is based on the basic principles of signing a medium- and long-term labor contract with the unit, being paid by the unit on time, and being an on-the-job employee.

(3) The salary account has sufficient and stable repayment funds. The average monthly salary income of the salary account, including personal basic salary, performance bonus, etc., is specifically defined according to the employee salary payment policies of different units.

8. Other loan conditions required by China Construction Bank.

2. Loan amount: The starting point of the loan amount is 5,000 yuan, and the maximum is not more than 200,000 yuan.

3. Loan term: up to 2 years.

4. Loan interest rates: implemented in accordance with the relevant interest rate policies of the People's Bank of China and the China Banking Regulatory Commission.

5. Repayment method: If the borrower's loan term is within one year (inclusive), the borrower can choose equal principal and interest, equal principal, monthly interest repayment at will, or one-time repayment of principal and interest upon maturity. and other repayment methods; if the loan term is more than 1 year, you can choose the repayment method of equal monthly principal and interest, or equal monthly principal repayment.

Extended information:

Bank loan procedures:

1. Loan application. The borrower applies for a loan to a local bank.

2. Credit rating assessment. Banks evaluate borrowers' creditworthiness.

3. Loan investigation. The bank investigates the borrower's legality, safety, profitability, etc.

4. Loan approval. Banks review and approve loans based on a loan management system that separates loan review from loan review and provides graded review and approval.

5. Sign the contract. The bank signs a loan contract with the borrower.

6. Loan disbursement. The bank issues loans on time according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigations and inspections on the borrower's execution of the loan contract and the borrower's operating conditions.

8. Loan repayment. When the loan matures, the borrower must repay the principal and interest of the loan in full and on time. If he wants to extend the loan, he should submit a loan extension application to the bank before the loan maturity date. Whether to extend the loan is decided by the bank.

Reference: Baidu Encyclopedia-Bank Loan