There are many kinds of loans for CCB's loan business to choose from, among which fast e-loan is an advantage loan, which can not only withdraw cash, but also avoid the approval and data submission of high-quality customers. Let's take a concrete look at this loan product.
"Fast E-loan" is an online loan launched by China Construction Bank, which is mainly aimed at high-quality individual customers and grants micro-credit loans that can be transferred in real time. CCB adopts this loan method, and proactively pre-credits in advance, without submitting loan information and waiting for approval. As long as it puts forward the application intention, it will sign, activate and use it immediately.
Loan amount: ordinary customers: 1 1,000 yuan (inclusive)-50,000 yuan (inclusive), salaried customers, provident fund customers and mortgage customers: 1 1,000 yuan (inclusive)-300,000 yuan (inclusive). Loan term: the longest 12 months, which can be recycled, and the annual interest rate of the loan is 5.6% (please refer to the actual interest rate).
The application conditions for fast e-loan are 1, the age of the lender is between 18-50 years old, and the age at the time of loan+the loan period shall not exceed 65 years old.
2. Users need to have a stable economic income recognized by the bank and have sufficient repayment ability;
3. The user's personal credit status is good. If the loan applicant has experienced serious loans overdue or overdue credit card before, it is impossible to successfully apply for CCB loan;
4. If users make mortgage loans, they need to provide collateral approved by the bank.
There are also two ways to apply for CCB Express e-loan, mobile banking and mobile banking. After logging in, mobile banking can directly search for "fast e-loan", and then the system will automatically display the maximum credit line, click "Apply now", and then submit relevant materials according to the prompts. Online banking is almost the same. Find a quick e-loan point in the loan column and follow the prompts.
After CCB Express E-loan is issued, customers can withdraw their cash independently, put it into CCB debit card, shop on domestic e-commerce websites, or use the "loan account" in online banking payment; You can use the debit card of the fast loan sign to swipe your card at the merchant POS. If the loan is used at any time within the validity period, the interest shall be calculated on a daily basis according to the actual days of use.
Easy loan is what it is. Generally speaking, fast e-loan is very friendly to high-quality customers. If you want to apply, you can do it yourself through the above channels, and users with pre-credit can sign up for the next payment.
What kind of loan is Quick Easy Loan?
Fast e-loan is an online loan launched by China Construction Bank, which can be fully paid.
The loan is processed online, that is, it is used immediately, and the interest is calculated according to the actual amount used and the number of days. The loan amount is 65,438+0,000-200,000 yuan, and the loan term is 3 months, 6 months, 9 months and 65,438 months. The interest rate of fast e-loan is calculated and differentiated by the system background model according to the credit status of users and their contribution to CCB, and the interest rate is based on the interest rate actually displayed when users apply.
China Construction Bank was established in June 1954+ 10/0/. The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. On February 20 17, brand finance released the list of the top 500 global brands in 20 17, and China Construction Bank ranked 14. In 20 18, Fortune Global 500 ranked 3 1.
20 18 12 was published in the "Top 500 World Brands 20 18" compiled by the World Brand Laboratory, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. The Belt and Road Initiative ranks 40th among the top enterprises in China 100. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100. 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.
What is the quick loan of CCB?
1. CCB's "quick loan" is a full-process online self-help loan for individual customers. Users can complete loans online through electronic channels of CCB, including real-time application, loan approval, contract signing, withdrawal and repayment.
2. Users can use CCB mobile banking, online banking and smart counters.
The machine is self-service, and the loan can be completed according to the prompt operation without any intermediary and others.
3. CCB's "fast loan" has four products, namely, fast e-loan for credit and car e-loan, financing e-loan for credit or real estate mortgage, and pledged loan.
First of all, the conditions for handling CCB's fast loan include:
1, a natural person aged 20-55, with full capacity for civil conduct;
2. Have a local permanent residence or long-term residence certificate and a fixed residence;
3. It has a stable and legal source of income and the ability to repay the principal and interest of the loan on schedule, and the annual income of the borrower's family is more than 20,000 yuan;
4. (1) BBB grade assessed or recognized by the bank, with a credit rating of 3 or above;
5. It has a good reputation in the personal credit information system of the central bank and has no bad credit record.
Second, CCB's fast loans can be opened through mobile banking and the Internet.
There are three ways to open banks and bank counters. After the quick loan is opened, individual CCB customers with good credit may get the quick loan amount as long as they handle business in CCB (such as saving money, purchasing wealth management products, applying for loans, paying wages on their behalf, etc.). ), and the more business they handle, the higher the quota.
1, mobile banking opened
Log in to the mobile banking of China Construction Bank, then click Quick Loan-Apply, fill in the amount and other information according to the page prompts, and then verify that the mobile phone can be opened. The actual page display shall prevail.
2. Online banking was opened.
Log in to CCB Online Banking, then click Personal Loan-I want fast loan-fast e loan-apply immediately, fill in the relevant information according to the page prompts, and then insert the information into the online banking shield for verification. After the verification is completed, the application can be successful. Specific to the actual page display.
3. Opening of bank counters
Bring my ID card and bank card to the counter of CCB outlets to inform the staff of their needs, and the staff can handle it.
Operating environment: mobile phone mi11(miui12.5).
Personal Online Banking App of China Construction Bank (5.6.7)
What is CCB Express e-loan? How is the interest calculated? explain
CCB Express e-loan is a real-time revolving micro-credit loan issued by CCB for high-quality individual customers.
The interest-bearing method of CCB Express E loan is loan amount * 1* annual interest rate.
For example, the annual interest rate is 7.2%, the loan is 50,000 yuan, and the annual interest rate is:
Interest = loan amount ** 1* annual interest rate =50000* 1*7.2%=3600 yuan.
Fast e-loan is a business of CCB's fast loan, which is operated online all the time, so that lenders can apply for loans through CCB's online banking with just a click of the mouse. As long as it meets the requirements, the system will get a reply in a few minutes after the application, and the whole process service from application to loan can be completed without going to the outlet.
The application conditions of CCB Express e-loan are as follows:
1. Need to be a customer of CCB.
The applicant should be between 25 and 60 years old.
3. Need to have financial business dealings with CCB, such as deposit, purchase of wealth management products, national debt, etc.
4. Credit records need to be kept good.
The loan amount of CCB Express E-loan is 1 1,000 yuan to 50,000 yuan, and the maximum for financial and private customers is 500,000 yuan. The validity period is 1 year, which can be used at any time and can be repaid without guarantee.
CCB Express E-loan application method is:
1, click the fast loan on the mobile banking of China Construction Bank.
2. Click Apply on the page.
3. Enter the application amount, and then click Next.
4. Enter the verification code for receiving SMS, and click Agree.
5. The application was successful.