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One: Quick Loan is an APP developed by Hangzhou Xinyi Business Consulting Co., Ltd. to provide Internet lending services. Quick Loan APP was released in February, 2065438+2005, mainly providing Internet lending services. In the fast loan APP, you can get the loan amount, record and manage the debt, and get credit advice.
A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Among them, the party that borrows money from the other party is called the borrower, and the party that borrows money is called the lender. According to different lenders, loan contracts can be divided into financial institution loan contracts and natural person loan contracts, both of which are typical property ownership transfer contracts.
A loan contract refers to a contract in which a borrower borrows money from a lender, repays the loan at maturity and pays interest. The borrower is a party to the loan and may be a natural person, legal person or unincorporated organization. There are no restrictions on the qualifications of borrowers by law. Lenders are the parties that lend money, and may be legal persons of qualified lenders, such as commercial banks, trust and investment companies and other financial institutions that have been approved by the People's Bank of China and are qualified to engage in financial business. Other civil subjects can also carry out private lending and are also qualified lenders.
Three: it is forbidden to deduct interest first in the loan contract. The so-called withholding interest means that the lender deducts some interest from the principal in advance when issuing the loan. The problem of withholding interest first is to deduct some interest in advance when paying the principal, so that the borrower can't get the full loan amount from the beginning. For example, the loan is 6,543,800 yuan, and the agreed monthly interest rate is 20,000 yuan. When paying the principal, only 880,000 yuan was paid, and the remaining 6,543,800 yuan+0.2 million yuan was deducted in advance as interest for six months, so the actual loan amount used by the borrower was 880,000 yuan.
Four: if the parties agree to deduct interest first, it is legally invalid. The method is to determine the loan principal and calculate the interest according to the actual loan amount. For example, the lender deducts the loan interest of 6,543,800 yuan and actually pays 880,000 yuan, then the principal is calculated according to 880,000 yuan, and the monthly interest is divided into two parts, which is 6,543,800 yuan+0.76 million yuan.
Five: loan contracts are usually paid contracts, and loan interest is the reward of loans. Therefore, the borrower should pay the loan interest on schedule to ensure that the lender's loan interest is also reported.
A loan contract for a financial institution refers to a contract in which a financial institution handling loan business provides a loan to a borrower as a lender, and the borrower repays the loan at maturity and pays interest.
What will happen if CCB's fast loan application is useless? You don't have to worry!
Now, major banks are vigorously promoting their online loan products. Among them, CCB's main loan product is Jianxin Express Loan. Under the influence of various aspects, many friends have opened fast loan accounts of CCB, but it has been useless. Some friends are a little worried, so what will happen if CCB's fast loan application is useless? Here, I will tell you the details.
Generally speaking, it won't have any impact if you don't use it after applying for a quick loan from CCB. Not bad faith, will not charge account management fees and interest. The credit line provided by CCB Express Loan is a preliminary loan line for everyone to apply at any time when they need money. Only when everyone formally withdraws cash will there be corresponding loan fees.
For friends who are sure that they will not use CCB Express Loan for a long time, they can actively close CCB Express Loan through online banking and mobile banking. Friends who can't operate can go to CCB's business outlets or call CCB's customer service phone number "95533".
In addition, if CCB Express detects a credit line that everyone has not used for a long time, it may automatically cancel everyone's credit line. So if everyone ignores it, the credit line may disappear.
Through the above, I would like to introduce what will happen if it is useless to apply for a quick loan from CCB. Generally speaking, it doesn't matter if CCB's quick loan application is useless, it won't affect credit, and it won't generate any expenses, so don't worry too much.
What is the customer service telephone number of China Construction Bank Express E loan? Manual customer service helps you!
When everyone inevitably encounters financial difficulties, it is more correct to choose bank loans, because bank loans are safe and reliable with low interest. CCB has an online loan called Fast E Loan, which many small partners should be familiar with, but people who borrow for the first time may encounter various problems, so how to find manual customer service? Let's briefly introduce it today.
1, telephone customer service
If you want to solve the problem quickly, the most direct way is to call. CCB has a 24-hour service hotline, so it is best to call it during working hours, and it may be impossible to access manual customer service in the middle of the night.
24 hours hotline: 95533
According to the voice prompt, you can find the manual customer service, and you may need to enter the bank card account number or ID card. It is recommended to prepare in advance.
2. Email address
If it is a business consultation or complaint suggestion, you can also write out the situation in words, attach evidence or documents, and send it to the mailbox of CCB.
Customer service mailbox:
3. WeChat customer service
Wechat searches for "CCB Customer Service" on the official WeChat account. After paying attention to the official WeChat account, you can click "Question Consultation" and choose "Online Consultation" or "I want to leave a message", and you can also have an interactive chat.
4, mobile phone software customer service
Download the CCB version of mobile banking, click the ""key in the upper right corner of the home page, select the smart assistant, and you can enter your own question keywords, and there will be related pushes.
5, SMS customer service
CCB even has SMS keyword customer service. You can edit a question or keyword and send a text message directly to 95533 to get the answer, which is suitable for friends who don't want to download the APP and pay attention to the official account of WeChat.
Do you know the fast loan of China Construction Bank? Money is badly needed recently. Can I use it?
"Quick Loan" is a full-process online self-help loan launched by China Construction Bank for individual customers. Individual customers can complete loans online through electronic channels of CCB, including real-time application, approval, signing, withdrawal and repayment. Specifically, it can be handled by CCB mobile banking, online banking and intelligent teller machines, and the loan can be completed according to the prompts. "Quick loan" needs to pay interest according to the contract, and does not need any other formalities, and does not need to be handled through any intermediary or others. Generally speaking, the "quick loan" itself is legal, compliant and safe, but the loan is risky, and it is definitely necessary to repay the principal and interest. If it is overdue, it will definitely affect personal credit, and may even become "Lao Lai".
According to the official introduction of China Construction Bank in "Fast Loan", the loan amount is 1 10,000 yuan to 200,000 yuan, and the longest loan term is 1 year. The specific interest rate and repayment date of the loan are subject to the signing of the final contract. According to the relevant regulations of China Construction Bank on fast loans, "fast loans" should be used for legal and compliant consumer purposes and not for the following purposes:
1. Buy a house and pay off the mortgage;
2. Investment in stocks, bonds, futures, financial derivatives and asset management products;
3. Equity investment in fixed assets and equity;
4. Other purposes prohibited by laws and regulations.
If you need money urgently, you can consider borrowing money to alleviate the economic pressure in a certain period, but this is not a long-term solution after all. When borrowing money, you must consider your repayment ability and apply according to your actual needs. Don't borrow too much. When applying for a loan, you should read the relevant terms carefully. If you want to know more details about "quick loan", it is suggested to call the customer service telephone number of China Construction Bank at 95533 for consultation, or go directly to the bank counter to find out.
Based on the introduction of "quick loan" by official website of China Construction Bank, this paper briefly summarizes the above contents, hoping to help you.
How long will it take for CCB's fast loan to resume its quota after it is due and settled?
After everyone settled the fast loan line of CCB, they immediately resumed the credit line, basically on the same day. In other words, CCB's fast loan can resume the loan in real time.
However, under some special circumstances, after the fast loan of CCB is settled due, the speed of quota recovery will be slower, and some people may even be unable to restore the quota. These special cases are:
1, system problem
Sometimes, the system may have problems or be under maintenance, so it may not be possible to restore quotas in real time. But in this case, CCB's fast loan quota will be restored the next day.
2. Financial assets.
CCB's fast loan has certain requirements for the borrower's financial assets. If the borrower's personal financial assets have changed recently and do not meet the loan conditions after re-examination, the quick loan amount of CCB will not be restored after settlement.
3. Application channels.
If the borrower has applied for a quick loan across tier-one branches and the quick loan quota has been occupied, the quota cannot be restored.
Through the above, I believe everyone understands how long it will take to restore the quota after the fast loan of CCB is settled. Generally speaking, under normal circumstances, CCB's fast loan will be restored in real time after it is settled. If you still have questions about your quota, you can call CCB's customer service phone number "95533".
What is the telephone number of quick loan manual customer service?
Please call: 053 1-8725-4688, and the customer service time is (8:00~2 1:00). If users encounter repayment problems, they can contact the platform customer service, and the staff will contact you at the first time to help you solve the problem.
Forty-seventh economic compensation shall be paid according to the standard of one month's salary for each full year of work in the unit. For more than six months but less than one year, it shall be counted as one year; If it is less than six months, economic compensation of half a month's salary shall be paid to the workers. If the monthly salary of workers is three times higher than the average monthly salary of local workers announced by the people's government of the municipality directly under the central government or the city divided into districts where the employer is located, the standard for paying economic compensation to workers is three times the average monthly salary of workers, and the longest period for paying economic compensation to workers shall not exceed 12 years. The monthly salary mentioned in this article refers to the average salary of workers in the twelve months before the dissolution or termination of the labor contract.
Article 48 If the employer dissolves or terminates the labor contract in violation of the provisions of this Law, and the laborer requests to continue to perform the labor contract, the employer shall continue to perform it; If the laborer does not demand to continue to perform the labor contract or the labor contract cannot be continued, the employer shall pay twice the compensation stipulated in Article 87 of this Law.
Article 49 The State shall take measures to establish and improve the system of trans-regional transfer and connection of employees' social insurance relations.
Article 50 When the employer dissolves or terminates the labor contract, it shall issue a certificate of dissolution or termination of the labor contract, and go through the formalities for the transfer of the file and social insurance relationship for the employee within 15 days. Laborers shall handle the work handover according to the agreement of both parties. If the employing unit should pay economic compensation to the workers in accordance with the relevant provisions of this law, it should pay it when the work handover is completed. The employing unit shall keep the text of the dissolved or terminated labor contract for at least two years for future reference.