If the CCB mortgage loan is debited by a credit card, you can turn off the automatic credit card deduction service, or change the credit card to another bank card for automatic repayment. If the credit card has the automatic repayment function enabled, and the bank card bound to it happens to be a mortgage repayment card, the money in the card will be deducted from the credit card. The China Construction Bank mortgage loan application process is as follows:

1. The user submits loan application materials (ID card, income certificate, asset certificate, etc.) to China Construction Bank, fills in the loan application form, and waits for bank approval.

2. China Construction Bank staff will strictly review the materials submitted by users.

3. If the submitted materials meet the loan requirements, the application will be approved.

4. After passing the review, the applicant signs a loan contract with China Construction Bank.

5. China Construction Bank will lend money to the user’s account according to the time specified in the contract.