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.

Second, how to borrow from CCB?

The platform with low formal interest on loans is easy to pass. It is suggested to choose carefully: 1 and 360 IOUs are personal and micro-credit platforms under Fuzhou Sanliuling Network Co., Ltd., relying on the advanced internet security technology and big data technology of 360 Digital Group, and based on massive user credit data and behavior data, they are committed to improving the domestic personal credit information system, improving the efficiency of financial services, reducing costs, and providing safe, stable and convenient consumer loan financial services for all social groups with financing needs. Borrow from 500 yuan, up to 200,000 yuan, and cash will arrive in seconds. The daily interest rate of the loan is at least 0.027%, and the daily interest rate of 1 0,000 yuan is only 27 cents. If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support. In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision. The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account. Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence. 2. The province is developed and operated by Shenzhen Samoyed Internet Financial Services Co., Ltd., and insists on "not doing" as the product bottom line, providing high-quality and low-interest billing installment services for young people. Sources of funds: Yin Bei Consumer Finance, Harbin Consumer Finance, Zhongbang Bank, Haier Consumer Finance, CITIC baixin bank, etc. We will recommend appropriate formal financial institutions to provide loan lines according to your personal situation, so as to make safe funds more secure! 3. Zhongan Small Loan is an unsecured pure online consumer credit platform launched by Chongqing Zhongan Co., Ltd., focusing on providing instant loan services for individuals and small and micro business owners. Based on mature and professional risk control ability, the overall evaluation of customer credit is carried out. The upper limit of three-step loan is as high as 200 thousand, and the loan is released within 5 seconds on average. 4. "Qianhua" is the brand of Xiaoman's financial credit service. It uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe loan services. 1. High loan amount: the maximum loan amount can reach 200,000 yuan (subject to actual approval). 2. Fast loan approval: online application, quick approval and quick receipt. 3. Transparent interest rate and flexible repayment: the daily interest rate of the loan starts from 0.02%, and various repayment channels are supported. 5. Staged music is a staged consumption platform under Lexin, which advocates young people's moderate consumption. With products and services that are more understanding of young people, more secure and warmer, it has become a reliable choice for 654.38 billion users to shop by stages. Shopping by installment: China Bank is authentic, and the quality is guaranteed. High-quality experience: the installment period is flexible, and credit cards can be supported. Safety: Bank-level risk control team escorts. Anxin loan: the cost is transparent, and the comprehensive annualized cost is as low as 10%.

Third, how to borrow money from CCB?

China Construction Bank requires:

I. Loan conditions:

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. 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; 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. High-quality individual housing loan/provident fund loan customers must meet the following conditions at the same time:

(1) The repayment has been normal 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 high-quality provident fund stock customers must meet the following conditions:

(1) The unit provident fund is collected in the 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 stock of high-quality paid employees, must also meet the following conditions:

(1) The agency that pays wages has signed an agreement with China Construction Bank to pay wages on a commission basis, which has been recognized by China Construction Bank.

(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.

Second, the loan amount: the starting point of the loan amount is 5,000 yuan, and the maximum is not more than 200,000 yuan.

Three. Loan term: up to 2 years.

Four. Loan interest rate: It shall be implemented in accordance with the relevant interest rate policies of the People's Bank of China and China Banking Regulatory Commission.

Verb (abbreviation of verb) repayment method: If the borrower's loan term is less than one year (inclusive), he can choose repayment methods such as equal principal and interest, average capital, arbitrary monthly interest payment, and one-time 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.

Extended data:

Bank loan procedures:

1, loan application. Borrowers apply for loans from local banks.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend the loan.

References:

Sogou encyclopedia-bank loan

4. What is the maximum credit card loan of CCB?

Credit card overdrawn, no loan, I'm sure.