Personal loans of CCB include personal housing loans, personal consumption loans, personal business loans and popular fast loan products. Among them, the maximum amount of quick loans for individual industrial and commercial households is 3 million, and all enterprises of this type can apply. It must be said that CCB has a complete range of personal loans for lenders to choose freely. Moreover, the repayment methods of CCB loans are flexible and diverse, and applicants are free to choose the repayment method that suits them best. Extended data:

China Construction Bank can make loans, and the threshold for loans is also very low. Applicants only need to meet the loan conditions to obtain the loan amount. Loan conditions of China Construction Bank: 1, age 18 or above and 50 or below. 2. Applicants need to have a fixed job and income. 3. If the loan is used for business or car purchase, a guarantor and mortgage are needed. 4. There is no bad record in the credit investigation. The monthly payment is not higher than 50% of the family wage income. Applicants who meet the above conditions can make loans through CCB's APP, official website or bank counters. After submitting personal loan requirements and personal data, the bank will review the submitted materials. After approval, CCB will lend money. It is worth noting that the loan amount and interest rate will be determined according to the information submitted by the applicant. So some people may have high loan amount and low interest rate, while others have low loan amount and high interest rate. CCB Personal Loan: Step 1: You need to prepare relevant supporting materials in advance. Including the borrower's own valid identity documents, proof of income, proof of assets, etc. If the loan applied for involves mortgage or guarantee, it is also necessary to provide the certificate of collateral or the guarantor's written commitment to provide guarantee and the guarantor's credit certificate. Step 2: Go to a nearby CCB outlet with relevant information and go directly to the counter to find the staff to handle the loan, but generally you need to queue up to get the number. And you just need to apply for a loan from the staff and then submit the relevant information. Step 3: The bank will review the information you submitted and inform you if it is approved. You can sign a loan contract at the bank after receiving the notice, and then you may need to go through some related procedures according to the specific situation of the loan, such as mortgage registration, insurance and so on. Step 4: After signing the loan contract, you need to sign an entrusted deduction agreement with the bank and open a special repayment account in the bank. Step 5: After completing the relevant procedures, the bank issues the loan according to the contract, and the borrower can use the loan. After that, the borrower only needs to repay the loan principal and interest on schedule according to the repayment plan and repayment method agreed in the loan contract. If you feel that it is troublesome to handle personal loan business at CCB outlets, you can also choose to handle it at CCB personal online banking.

2. What are the personal consumption loan methods of CCB?

There are two ways to apply for CCB personal consumption loans, as follows:

Mode 1: mortgage loan

The borrower applies for personal consumption loan from CCB with the house that can be listed and traded in my name as collateral. It is reported that the maximum loan amount obtained by this loan method is 6,543,800 yuan, but the specific amount will be determined according to the borrower's credit status and collateral evaluation.

Mode 2: Credit loan

If you are a quality customer of CCB, you can apply for a personal consumption loan of CCB with personal credit. The maximum loan amount obtained by this loan method is twice the annual income.

So you can choose the loan method that suits you according to your actual situation.

3. What is the quick loan use strategy of CCB?

The use of CCB quick loan is as follows:

1. Download the "China Construction Bank" mobile APP on your mobile phone, complete the application and get a certain amount.

2. It can be used for online shopping. As long as you pay on the online shopping platform, you can choose CCB's online banking or mobile banking, and then click on your personal quick loan account to use it directly.

3. You can choose to use cash withdrawal. Click "Withdraw" in the mobile APP to withdraw the funds to the designated personal account. Moreover, CCB's fast loans will only have interest if they are used up.

4. You can swipe your card directly offline, just take out the savings card with the fast loan and swipe it directly.

After CCB successfully applies for fast loan and makes the next payment, the loan will be transferred to the special account of fast loan, and the lender can transfer the loan out or use fast loan to make payment when spending. Relatively speaking, the use scenarios of fast loans are relatively rich, and lenders can choose freely.

After the fast loan, the lender must repay the loan in full and on time according to the requirements of the loan contract, so as to avoid the influence of overdue on personal credit information. At the same time, loans overdue will be charged a large amount of penalty interest by banks, further increasing the repayment pressure of lenders.

4. What are the personal consumption loan methods of CCB?

"Personal consumption loan" refers to the RMB loan that meets the needs of borrowers and families for various consumption expenses. The loan subject is a citizen of China, aged 18 ~ 65 years old, with local permanent residence or local long-term residence certificate, fixed residence and collateral. Loans can be used for car purchase, house decoration and other consumer purposes. Collateral requirements: collateral type and loan ratio: 70% for individual ordinary housing and 50%-60% for commercial housing facing the street; Villa/townhouse 50%; Office buildings and self-use office buildings 40%; Service life of mortgaged property: it meets one of the access criteria of mortgaged property: (1) The building age of mortgaged property must be within 20 years (inclusive), and the construction area must be above 80 square meters (inclusive); (2) The value of collateral is higher than 6,543,800 yuan (inclusive); The area where the collateral is located: basically according to the scope of small Hangzhou (Hangzhou urban area and Yuhang Xiaoshan); Third-party mortgage is not supported.

Chinese name

Personal consumption loan of China Construction Bank

abbreviate

CCB Personal Loan

choose

Adult citizen of China

loan limit

5.00-65438+500,000 yuan

credit institution

China construction bank

quick

navigate by water/air

Product introduction

Personal consumption loan of China Construction Bank

Lender: China Construction Bank.

Type of institution: bank

Loan type: mortgage loan

Repayment method: due repayment.

Loan amount: 500- 1.5 million.

Suitable area: Hangzhou

Spread out completely

Product introduction

Product advantage

1, a citizen of China, 18 ~ 65 years old, with local permanent residence or local long-term residence certificate, and residents with fixed residence and collateral can apply for it by themselves.

2. The maximum loan amount is 6,543,800 yuan+0.5 million yuan.

Revolving loan can be used for 2 to 5 years.

Letter of credit clause

1. The age of the mortgaged property must be within 20 years (inclusive) and the construction area must be above 80 square meters (inclusive);

2. The value of collateral is higher than 6,543,800 yuan (inclusive);

3. Collateral basically follows the scope of small Hangzhou (Hangzhou urban area and Yuhang Xiaoshan);

4. Third-party mortgage is not supported.

5. Applicant: a natural person who has reached the age of 18 and has full capacity for civil conduct;

6. Age: The sum of the borrower's age and the loan term shall not exceed 65 years old;

7. Household registration: having a local permanent residence or long-term residence certificate and a fixed residence.

Application material

1. Original and photocopy of the borrower's valid identity certificate;

2. Local permanent residence or valid residence identity certificate;

3 proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy;

4. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage;

5. A written document that the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount;

6, the guarantor's credit certification materials;

7. Collateral appraisal report issued by the appraisal department recognized by the society;

8. Other documents and materials specified by the Construction Bank.