Consumer loans of China Construction Bank are mainly for consumption, while fast loans include consumer loans, corporate loans and credit loans. Therefore, consumer loans and fast loans cannot be understood as the same meaning. Of course, for users, what kind of loans to apply for mainly depends on their credit qualifications and the amount of loans they need to apply for.
In addition, different loans have different regulations on the use of loan funds, and users must also use loan funds in strict accordance with the regulations.
What are the consumer loans of CCB? Choosing on demand is the wisest!
Bank's consumer loan is one of the most common types of loans, and there are various ways to use consumer loans. Take the consumer loan of CCB as an example, it can be used for car purchase, decoration, education and so on. The application method can also be credit, personal rights pledge, gold pledge, small guarantee and so on. What are the specific consumer loans of CCB? I'll introduce several kinds to you, and you can choose according to your needs.
Personal consumption loan
Personal consumption loans refer to RMB loans with clear consumption purposes issued by China Construction Bank to eligible individuals for their own and family use, including ordinary loans and line loans.
CCB's personal consumption loans are mainly provided to China citizens aged 65,438+08-60 who need consumption financing. Can mortgage, guarantee or credit, up to 2 million yuan.
Personal car loan refers to the RMB loan granted by China Construction Bank to individuals for buying cars. It is required that the purchased vehicle is for self-use, and the longest loan period shall not exceed 5 years, and the commercial vehicle shall not exceed 3 years.
The loan amount of the general automobile consumption loan does not exceed 80% of the price of the purchased automobile; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle.
Xueyidai
Yi Xue Loan Personal Education Loan is a special-purpose loan product under the current personal consumption loan products of China Construction Bank, which is provided for individual customers who have educational financing needs such as studying abroad and high-end on-the-job education.
Yi Xue loan can be used for tuition and living expenses for individuals studying abroad or studying in high-end vocational education such as MBA and MPA, and the maximum loan amount for a single household does not exceed 1 10,000 yuan.
Decoration loan
Decoration loan All personal loan products with decoration financing service function of CCB, including personal housing mortgage loans and personal consumption loans.
Home improvement loans can be made by mortgage, guarantee, pledge, credit, etc. The amount of single-family loans does not exceed 6,543,800 yuan, and the longest period is not more than 5 years.
How to use CCB's consumer loan
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.
How to handle CCB's personal consumption loan
CCB's personal consumption loan needs to fill in the application form in writing and submit relevant materials at the same time. Please consult Morlon official website for details. Mo Long has served 2 million customers and cooperated with 1000 licensed financial institutions and banks, with a loan success rate of 90% and a conscience loan of 13 years. It is powerful and trustworthy.
Personal consumption loan application process:
(1) The borrower shall fill in the application form at the loan handling outlet with valid ID, pledge certificate, mortgage certificate and guarantor's guarantee. The bank will reply to the borrower within 15 days after investigating the borrower's guarantee and credit.
(2) After the borrower's application is approved, it will sign a loan contract and corresponding guarantee contract with the bank.
(3) The borrower can recycle the loan within the validity period of the credit line, and the available credit line is the difference between the credit line approved by the bank and the principal balance of each loan under the credit line.
(4) Before the limit expires, the borrower shall pay off all the loan principal and interest under the limit, and go through the formalities of mortgage and pledge registration cancellation at the bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the bank will automatically terminate.
For more information about the loan, please consult Moore Long. Mo Erlong not only has three promises: employees are strictly forbidden to collect sincerity money privately; Do not require customers to pay liquidated damages; There is no extra charge for standard service. There are also eight guarantees: the safety of funds comes from licensed institutions; Professional loan assistance, 0 down payment without routine; Customer first, honesty as the rest assured; Refuse to disclose and protect your privacy; Legally operate and provide formal invoices; Post-loan management, guarding personal credit information; Open and transparent, all business can be checked; Adhere to integrity, do not make false promises, and have a high reputation in the same industry.
What is the personal consumption loan service launched by China Construction Bank?
The personal consumption loan of China Construction Bank refers to the RMB loan issued by China Construction Bank to eligible individuals for their own use and their families, with a clear consumption purpose. Personal consumption loans include ordinary loans and line loans.
1. Personal consumption loan target: it is suitable for China citizens with full civil capacity who have consumption financing needs and are over 18 years old but not over 60 years old. ;
2. Personal consumption loan loan purpose: Personal consumption loan must have a clear 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 house decoration, car purchase, durable consumer goods purchase, tourism, marriage, education and other consumption purposes;
3, personal consumption loan processing flow:
(1) customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
(2) sign a contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.
(3) granting loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.
Extended data:
1. Guarantee method: mortgage, guarantee and credit;
2. Loan amount: the single-family loan amount shall not exceed 2 million yuan;
3. Loan term: no more than five years;
4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;
5. Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment method at maturity, and arbitrary principal repayment method with interest paid on schedule;
6. loan settlement. Loan settlement includes normal settlement and early settlement;
(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: Before the loan expires, if the borrower settles part or all of the loan, he must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank;
7. After the loan is settled, the borrower shall retrieve the legal documents and relevant supporting documents kept by the bank on the strength of his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department on the strength of the loan settlement certificate.