1. First of all, you need Alipay to open U shield online banking on CCB card;

2. Log in to Alipay by computer, click the balance "Recharge" and select "Online Banking" to pay;

3. Enter the amount. Next, jump to CCB official website, log in to online banking, and select fast loan payment. After the recharge is successful, you can withdraw it to the bank card. (browser computer: macbookpromos 14 open Google version 92.0.4515.131)

1. What is the consumer loan of CCB?

The consumer loans of China Construction Bank are loans for consumption, including car purchase, house decoration, travel, marriage, education and shopping. Does not include the purchase of housing, stocks, futures and other purposes.

2 CCB consumer loans for the process is:

1, apply. Borrowers apply for loans at CCB outlets, fill in paper application forms and submit materials:

2. Bank audit. CCB will investigate the borrower information and approve the loan.

3. sign the contract. After passing the examination, the borrower and the Construction Bank signed a guarantee contract and a loan contract;

4. Go through the formalities. CCB will handle notarization, mortgage and other procedures according to the borrower's situation.

5. Loan issuance. After completing the formalities, the Construction Bank will issue loan funds.

3 CCB consumer loan application conditions

1. The applicant is between 18-60 years old and has full capacity for civil conduct.

2. The borrower has a stable job and economic income, has a certain repayment ability, and can repay on time.

3. The borrower has a clear loan consumption purpose, which can be used for various consumption expenses of individuals and their families (excluding the purchase of housing and commercial housing), such as housing decoration, car purchase, purchase of durable consumer goods, tourism, marriage, education and other consumption purposes.

4. The lender may provide the guarantee method approved by the Construction Bank.

5. The borrower has good credit and no record of bad behavior.

6. The lender agrees to other conditions required by CCB.

4. CCB consumer loan amount

The consumption loan amount of CCB is determined according to the personal situation and the guarantee provided. Under normal circumstances, if real estate is used as collateral, the loan amount shall not exceed 70% of the assessed value of collateral. With credit or guarantee as the guarantee, the maximum personal loan amount shall not exceed 2 million yuan.

I want to use a house loan. How to borrow it?

The use of housing loans is as follows:

1. Submit a loan application to the bank: the purpose, amount and term of the loan should be clearly stated in the loan application;

2. Submit loan information: To apply for mortgage loan, you need to provide the borrower's ID card, recent work certificate, credit record, house property certificate, etc. Enterprises that mortgage real estate loans need to provide business licenses, enterprise capital verification reports, financial statements for the last six months, asset certificates, etc.

3. Housing evaluation: After submitting the information, the bank will conduct on-the-spot investigation and evaluation of the mortgaged property;

4. Apply for a loan: after that, the housing appraisal company will send the appraisal report to the bank for approval;

5. Signing a loan contract: the borrower and the lending institution need to sign a loan contract, and they also need to sign and press their fingerprints, which will be notarized by a notary;

6. Mortgage registration procedures: the bank shall go to the real estate office for mortgage registration with the house ownership certificate and loan contract;

7. Bank Lending: After the mortgage registration formalities are completed, the bank lends money and remits the funds into the cooperative merchant's account in cash.

How to borrow a credit card loan?

Credit card loan process:

1. You need to apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate and work certificate. , and your personal credit is good;

2. Waiting for bank approval;

3. After approval, you can get a card with a certain credit limit granted by the bank.

After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay in full and on time to avoid leaving a bad credit record.

Credit card loan definition:

Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.

Credit card loan terms

1. Hold the credit card of the bank applying for loan;

2. Good card use record;

3. There are restrictions on the types of credit cards, such as China Merchants Bank business card, official card, purchase card, ANA guarantee card or supplementary card, and cash installment business is not supported;

4. Cash installment funds shall not be used for investment (including but not limited to equity investments such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).

Six banks support credit card loans:

At present, Industrial Bank, Guangfa Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank and Huaxia Bank provide credit card loan functions.

At present, the application for credit card loan business is not very strict. As long as you have good credit and no bad repayment record, you can generally apply. The main methods used by banks are telephone invitation or active application by customers. In this way, they can apply for loans ranging from 5,000 to 200,000.

Credit card lending business is only suitable for short-term borrowers. They can be used on it, but they are not suitable for long-term borrowers. Because after the credit card transfer, although the cardholder can repay the loan in installments, the longer the installment time, the higher the interest. The monthly interest rate of 12 installment is about 0.75%, which means that 10000 yuan will have interest from 75 yuan. If you borrow 50,000 yuan in advance, 12 installment repayment, the monthly interest rate is 0.75%, and the annual interest is 4,500 yuan. At present, the interest rate of personal loans for six months to 1 year (inclusive) is 6.06%, and the interest rate of loans for more than five years is 6.60%. Compared with traditional loans, the cost of credit card transfer loans will be higher.

The difference between credit card loans and consumer loans

The scope of use of the two is different.

Generally, bank consumer loans will be earmarked for cardholders. For example, housing loans can only be used to buy a house, car loans can only be used to buy a car, decoration loans can only be used for decoration, and consumer loans can only be used for specific types of consumption. Credit cards are more widely used and relatively flexible. After applying for a credit card, all merchants who can pay by credit card can pay by credit card.

The cost is different.

Consumer loans do not enjoy interest-free period, and lenders need to repay each installment on time from the effective date of the loan, so the loan cost is inevitable. Credit cards enjoy a maximum interest-free period of 50 -56 days, during which cardholders can freely overdraw. As long as the repayment is made in full before the due repayment date, there is no need to bear the capital cost.

The convenience of application is different.

Consumer loan application is troublesome, complicated and strict, and usually takes a long time. In many cases, applicants need to provide more supporting documents, even mortgages and guarantees. Applying for a credit card is relatively easy. Customers can apply for credit cards through offline outlets of banks, official website, WeChat and mobile apps. In the application process, you only need to provide personal information and application materials such as work certificate and income certificate. Credit card approval time is relatively short, and it is more convenient to apply.

The two repayment methods are different.

Consumer loans can be repaid regularly, while credit cards can be repaid in full, in installments or at the minimum repayment amount, which provides more convenience for cardholders.