How to use the consumer loan transfer account

After the user successfully obtains the consumer loan, the system will automatically open an electronic account for the user when using it, and the user can do so through the electronic special account Swipe your card to spend, transfer money or withdraw cash.

Details

01

Users can make normal consumption withdrawals from the funds in the special account, but it should be noted that although the special account supports transfers, There must also be real transactions, so it is not possible for users to transfer consumer loan funds to their current accounts.

02

Since different banks have different types of consumer loans, let’s take China Construction Bank as an example: Currently, CCB has car e-loans, financial e-loans, and fast e-loans. For the four mortgage loan products, the operation methods of different products will be different.

03

For example, car e-loans do not support the transfer of loan funds. You need to swipe your card for consumption in the 4S store designated by China Construction Bank's cooperative automobile factory, and the loan funds can only be used for purchases. Car or car insurance and related after-sales services.

04

If the consumer loan funds can be transferred out, you can also withdraw money through mobile banking. For example, log in to CCB Mobile Banking and click Quick Loan - Spend - Special for Quick Loan To transfer funds out of the account, just follow the instructions on the page. How to transfer funds from China Construction Bank's consumer loans to a special account?

There are generally three transfer methods for depositing consumer loans into special accounts at China Construction Bank.

1. Find Quick Loan in the Mobile Construction Bank app and click on Spend - Transfer funds from the Quick Loan special account.

2. Log in to online banking. Find the fund entrance of the Quick Loan special account and run the transfer.

3. Handle transfers at offline branches of China Construction Bank.

It should be noted that although the special account supports the above three methods of transfer, the consumer loans deposited in the special account of China Construction Bank cannot be withdrawn. The transfer must have a real transaction scenario and cannot be transferred directly to yourself. inside the account. How to withdraw consumer loans from a special account?

If the consumer loan you applied for is deposited into a special account, and if the account supports cash withdrawal, you can withdraw the money to the bank card and then withdraw it. If cash withdrawal is not supported, you need to run a special bank card. Credit card (debit card) consumption, in this case, consumption can be done online and offline.

Consumer loans are allocated by the lending institution to the borrower specifically for consumption and cannot be used for other purposes such as financial management and investment. If the purpose of the loan is monitored by the lending institution, the loan limit will most likely be withdrawn by the lending institution. , requiring customers to settle their loans in advance.