1 CCB personal credit loan applicants need to bring their ID card, work certificate, income certificate and property certificate. Go to the CCB business outlets, fill in the loan application form and provide the necessary information before applying. Then the applicant waits for CCB to investigate and review the credit status and materials, and sign a loan contract with the bank after the approval. Applicants who have passed the audit of CCB sign a loan contract with CCB, and sign a mortgage contract, a pledge contract and a guarantee contract according to the loan guarantee method. 4 notarize the contract, and cooperate with the bank to handle mortgage registration and other related procedures if mortgage guarantee is needed. According to the provisions of the Construction Bank, handle the formalities of real estate insurance, mortgage registration or contract notarization. CCB issues the loan according to the contract, and the bank transfers the money to the designated account, and the loan is completed. Extended data:

The loan terms are 1. A natural person aged 20-55 with full capacity for civil conduct; Have a local permanent residence or long-term residence certificate and a fixed residence. 2. Have a stable and legal income source, have the ability to repay the principal and interest of the loan on schedule, and the annual household income of the borrower is more than 20,000 yuan; The credit rating assessed or recognized by China Construction Bank is BBB or above. 3. It has a good reputation in the personal credit information system of the People's Bank of China and has no bad credit record. 4. Customers with existing high-quality personal housing loans/provident fund loans must meet the following conditions at the same time: (1) The loan has been repaid normally for more than two years, and there has never been any record of personal loan default or other default in our bank. (2) The current loan balance is less than 50% of the contract amount of the housing purchased by the loan; The mortgaged house has been registered as a mortgage, and the certificate of other rights has been obtained. (3) The ratio of the borrower's current monthly housing loan expenditure to monthly income is not higher than 50%. 5. The deposit of existing high-quality provident fund to customers must meet the following conditions at the same time: (1) The unit provident fund is collected by our bank, and the unit has been admitted to CCB. (2) The normal and full deposit period of the provident fund in CCB is more than two years (inclusive). 6. There has never been any record of personal loan default or other default in CCB. 7. The employees of a high-quality payroll agency must meet the following conditions at the same time: (1) The payroll agency has signed an entrustment payroll agreement with CCB and has been accepted by CCB. (2) Regular employees who have worked in this unit for two years. The definition of "regular employee" is based on signing a long-term labor contract with the unit, and the unit pays wages on time, which is the basic principle of on-the-job employees. (3) The wage account has sufficient and stable repayment funds. The monthly average wage income of wage account, including personal basic salary and performance bonus, is defined according to the wage payment policy of employees in different units. 8. Other loan conditions required by CCB. If the loan term of the borrower is less than one year (inclusive), you can choose repayment methods such as matching principal and interest, average capital, arbitrary monthly interest payment, and lump-sum interest payment at maturity; If the loan term exceeds 65,438+0 years, you can choose to repay the principal and interest on a monthly basis.

Second, how to apply for personal credit loan from CCB?

Banks handle almost all credit loans, mainly based on personal qualifications. The better the qualification, the easier it is to approve.

Conditions for applying for a credit loan:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

3. How to apply for personal credit loan from CCB?

Information required for CCB's personal micro-credit loan application:

1. China Construction Bank Personal Micro-credit Loan Application Form.

2. The original and photocopy of the valid identity certificate, marital status certificate and income certificate of the borrower and spouse.

3. Proof of local permanent residence or long-term residence.

4. Existing individual housing loan customers must also provide the loan contract of the original individual housing loan and the repayment record of more than 1 year.

5. Customers who deposit the provident fund must also provide the information of the provident fund account and the recent 1 year record of the provident fund deposit.

6. The customer of the payroll company must also provide the running water and account details of the statement or payroll account in the last year or more. If the annual running water cannot fully reflect the income level of the borrower, the customer can be required to provide a longer-term statement according to the specific situation;

7. Other relevant materials required by the handling bank.

Four, the construction bank how to handle personal credit loans

Requirements for bank loans:

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

These procedures are usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.