How to withdraw money from the special account of China Construction Bank Quick Loan
Quick Loan is a full-process online self-service loan service launched by China Construction Bank for individual customers. A friend applied for a quick loan from China Construction Bank , I don’t know how to withdraw the money from the special quick loan account, so let’s learn how to withdraw the funds from the special quick loan account!
How to withdraw the money from the special quick loan account of China Construction Bank?
1 Mobile Banking Withdrawal: Log in to China Construction Bank Mobile Banking, click "Quick Loan" - "Payment" - "Quick Loan Special Account Fund Transfer", and follow the prompts.
2 Online banking withdrawal: Log in to China Construction Bank Online Banking, click "Loan Service" - "Personal Quick Loan" - "Special Account Fund Transfer", and follow the prompts.
3ATM withdrawal: After inserting the card, select "Quick Loan Business" on the main interface, and then select the Quick Loan special account to withdraw money.
4 Counter withdrawal: Bring your ID card and bank card to any branch of China Construction Bank and go through the quick loan withdrawal procedures.
It should be noted that China Construction Bank Quick Loan*** has four products: "Quick e-loan", "Car e-loan", "Rong e-loan" and "Pledged loan". "The transfer of loan funds is not supported. You need to swipe your card at the 4S store designated by the cooperative automobile manufacturer. The loan funds can only be used to purchase cars, car insurance and related after-sales services. How to transfer the money from the CCB Quick Loan special account?
The CCB Quick Loan money can be withdrawn through mobile banking withdrawals, online banking withdrawals, ATM withdrawals and over-the-counter withdrawals.
The operation process of using mobile banking to withdraw money is as follows:
1. The user logs in to CCB Mobile Banking;
2. Click "Quick Loan"-"Withdraw" ;
3. "Transfer funds from the special account for quick loans";
4. Just follow the prompts.
"Quick Loan" is a full-process online self-service loan launched by CCB for individual customers. Customers can complete the loan online through CCB's electronic channels, including real-time application, approval, contract signing, disbursement and repayment. Customers can self-service through CCB’s mobile banking, online banking, and smart counters. They can easily complete the loan by following the prompts without going through any intermediary or dealing with others.
CCB Quick Loan cannot be used for the following purposes:
1. House purchase and repayment of housing mortgage loans;
2. Stocks, bonds, futures, and financial derivatives and asset management products;
3. Fixed assets, equity investment;
4. Other uses prohibited by laws and regulations;
5. Please Apply based on actual needs to prevent excessive borrowing.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The consequences of an overdue loan are as follows:
1. Penalty interest will be incurred. If the payment is not made for more than 7 days, the bank will classify the loan as "collection" and "delayed" "deposit", then the individual must pay late fees or penalty interest;
2. Be included in the blacklist and recorded in the bad credit file. The lender's name will appear in the bank the next day after the overdue date. System, credit reports will inevitably leave bad records;
3. It will affect future loans and credit card applications. As long as it enters the blacklist, mortgage loans and car loans will be affected;
4. Unable to enjoy loan discounts;
5. Unable to fly, high-speed rail, drive a car, and children cannot attend aristocratic schools.
Operating environment: How to withdraw cash from CCB Kuai e-Loan
The money on CCB Kuai e-Loan can be withdrawn to a debit card, and then withdraw cash at the counter or ATM; withdraw money to a bank card You can use the mobile banking app or online banking; the steps to withdraw money through the mobile banking app are as follows: 1. First, open the China Construction Bank mobile banking APP on your mobile phone and find Quick Loan on the homepage.
2. Click Quick Loan to enter the Quick Loan interface and select Spend.
3. Click Spend to enter the loan interface, where you can choose to withdraw cash for consumption.
4. Click to enter the loan payment interface, select the withdrawal amount, and withdraw the quick loan money to the bound savings card.
5. Pull down the interface and find the next step.
6. Click Next to enter the SMS verification code verification interface.
7. After the mobile phone verification code is successfully verified, the quick loan money can be withdrawn to the bank card.
Different users receive different credit limits when applying for Kuai e-loan. The maximum credit limit is 300,000 yuan, and the loan period is up to 1 year, which can be used on a recurring basis. Within the validity period of the credit limit, you can use it and repay it at any time. The loan can be purchased on domestic e-commerce websites and withdraw cash independently; the loan can be used at any time during the validity period, and interest will be calculated on a daily basis based on the actual number of days of use.
After using Kuai e Loan, you must repay on time and avoid overdue repayment, because overdue repayment will generate penalty interest. The longer the time, the more the penalty interest will be, and the bank will demand collection after overdue repayment. . A common collection method is to call the borrower's phone number and wait until the user returns the money.
It should be noted that after the overdue repayment of Kuai e Loan, it will be uploaded to the credit report center. If the personal credit report becomes bad, Kuai e Loan cannot continue to be used. What’s more, overdue fast e-loans will affect the application for various loans, such as car loans or home loans. Moreover, after overdue repayments, they will continue to be saved in the credit report for 5 years, and will automatically disappear after 5 years.
Version information: Take China Construction Bank version 5.7.1, Apple 13 (IOS15.4.1 system), and Huawei mate40 (HarmonyOS2 system) as examples. How to transfer out the quick loan special account, do you know?
Quick Loan is a series of products launched by China Construction Bank. After breakdown, there will be specific loan products for you to choose from. There are five types of quick loans: fast e-loans, rong e-loans, pledge loans, car e-loans and wo e-loans.
Some products cannot transfer loan funds out. Kuai e-loan can withdraw cash independently. "Car e-loan" is mainly used for online loans to select cars and offline credit cards to pick up cars. After the loan application is successful, you can select your intended car model online, click "Make an Appointment" to make an appointment with the car dealer for offline loan payment and pick up the car.
Quaiti e-Loan currently supports four transfer methods:
1. Withdraw money on the mobile banking app: The user first logs in to the CCB mobile app, and then clicks on the Kuai-E-Loan special account to transfer funds - Withdraw cash - transfer funds from the special account of Quick Loan to the special account, withdraw the amount according to your needs, and then transfer the funds out of the special account of Quick Loan directly to the card. Users can choose to withdraw, transfer, and spend.
2. Online banking withdrawal: Log in to China Construction Bank’s online banking, click on “Quick Loan Special Account Fund Transfer Business” – “Quick Loan Special Account Fund Transfer” – “Special Account Total Fund Transfer”, according to Prompt to proceed to the next step. Finally transfer the required amount.
3. ATM withdrawal: After inserting the card, select "Quick Loan Special Account Fund Transfer out Quick Loan Special Account Fund Transfer Business" on the main page, and then select Quick Loan Special Account Fund Transfer out.
4. Cash withdrawal at the counter: Bring your ID card and bank card to any CCB branch for quick loan withdrawal procedures.
I hope the above content can be helpful to all of you. Remember to standardize the use of funds and operate in strict accordance with the relevant regulations of the bank, and never take risks by opportunism. Everyone must strictly demand themselves to make reasonable decisions. If there are illegal operations and overdue situations, it will not do you any good. Overdue payment is a serious matter and will affect all aspects of life. After the payment is paid off, the impact of overdue payment will last for at least another 5 years.