CCB's fast loan products provide various repayment methods, such as "repayment by loan", "average capital", "matching principal and interest", "monthly interest payment" and "one-time repayment of principal". When customers apply for quick loan, they should choose the repayment method according to the page display, such as "average capital", "matching principal and interest" or "paying interest monthly and repaying principal at one time", and the loan supports monthly repayment; If the "loan with repayment" method is selected, the loan amount will be repaid in one lump sum upon maturity.
The quick loan installment repayment function is an innovative repayment service launched by CCB for high-quality customers with quick loan stock. Eligible fast loan customers who choose the "pay-as-you-borrow" method can apply to postpone repayment of part or all of the principal of the fast loan in installments through CCB's electronic channels (mobile banking or online banking) within 30 days before the loan expires.
(In case of business changes, please refer to the actual situation. )
What should I do if the fast loan of China Construction Bank is not due?
If there are difficulties in repayment, CCB will handle the installment repayment function when the fast loan expires. This function supports qualified fast loan users to apply for deferred installment repayment of part or all of the principal of the fast loan through CCB electronic channels (mobile banking or online banking) within 30 days before the loan expires.
Consequences of CCB's Fast loans overdue:
1, high penalty interest, which is the calculation method of compound interest. The longer the overdue period, the higher the penalty interest and the greater the personal repayment pressure.
2. collect. After the deadline, the collection staff will keep calling, and they will also call the borrower's parents, colleagues, friends, relatives and leaders to let everyone know that you owe money and your personal credit will deteriorate.
3. Affect personal credit. Users who borrow a lot and are overdue for a long time will upload their non-performing loan records to the credit information. Once they are blacklisted, their travel, bank loans, children's education and job hunting will be affected.
After being sued, the bank will eventually sue the overdue users and let the court help recover the arrears.
Can we negotiate installment repayment if the fast loan of CCB cannot be settled in one lump sum after the deadline?
You can try to negotiate with the bank, but there is no guarantee that the bank will agree. You can go to the bank outlet in loans overdue and ask the account manager to apply for installment payment in person, and then ask the account manager to ask the superior for permission for you. If the audit can pass, you can choose to repay by installments, but if the audit is rejected, you still need to repay normally according to other repayment methods.
China construction bank
China Construction Bank, formerly known as People's Construction Bank of China, was established in June 1954+ 10/(later renamed as China Construction Bank on March 26th, 1 996). 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 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. "Belt and Road" China enterprises ranked 40th on the 100 list. 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. On June 4, 2020, 65438+ won the evergreen tree award of the 2020 Caijing "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.
How to negotiate installment repayment for CCB's fast loan
CCB's fast loan includes four products: fast e-loan, car e-loan, pledge loan and financing e-loan. Among them, customers who apply for fast e-loan can directly log in to the mobile banking or online banking of China Construction Bank within 30 days before the loan expires, and apply for partial or full repayment of the principal of the fast e-loan in phases 6, 9 and 12.
Even if other fast loan businesses do not provide deferred installment repayment, customers can try to call the customer service hotline 95533 of CCB to negotiate with the customer service staff and apply for extending the repayment period and installment repayment.
During the negotiation, the bank will clearly explain the personal situation, indicating that it is not malicious overdue, but it is really unable to repay, and provide corresponding proof materials (such as unemployment certificate, proof of termination of labor contract, etc.). ) and expressed willingness to actively repay. CCB will consider it as appropriate.
China Construction Bank (China Construction 1)
On Bank), formerly known as the People's Construction Bank of China, was established in June 1 954+1October1(later renamed as China Construction Bank on March 26th, 1996). The head office is located at No.25, Financial Street, Beijing. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business. It has 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, sedan chair pension and so on.
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 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. "Belt and Road" China enterprises ranked 40th on the 100 list. 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. On June 4, 2020, 65438+ won the evergreen tree award of the 2020 Caijing "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.
By the end of February of 20 1 1, 1, there were1,58 1, including the head office, 38 tier-one branches, 304 tier-two branches, 8,835 branches and 4,402 branches, and The regional layout is concentrated in megacities, central cities, strong counties and rich towns. There are overseas institutions in 13 countries and regions, 9 overseas branches in Hong Kong, Singapore, Frankfurt, Johannesburg, Tokyo, Seoul, new york, Ho Chi Minh City and Sydney, 2 representative offices in Taipei and Moscow, 2 subsidiaries in London and Hong Kong, and 1 investment bank subsidiary in Hong Kong. It owns five domestic subsidiaries: CCB Fund, CCB Leasing, CCB Trust, Sino-German Housing Savings Bank and CCB Life Insurance. There are about 329,000 full-time employees.