CCB's personal online loan handling process:
1. Users download and install the mobile banking APP of China Construction Bank. There are two loan products: micro-quick loan and quick loan on the home page.
2. If quick loan or micro quick loan is selected, the user can apply for a loan according to the reminder on the page. If there is no quota after entering the quick loan page, users will not be able to apply for quick loans.
3. After submitting the loan application, the system will review the user and usually get the result soon. After the loan is reviewed, an electronic loan contract is signed with the user.
4. After that, the system will arrange funding. After the funds arrive, users need to use the loan funds in accordance with the regulations. If it is not used according to regulations, CCB may require users to pay off all debts at one time.
5. Some loans need to be signed offline. Therefore, after the user submits the application online, CCB will send a short message to remind the user to complete the face-to-face signing at the nearest CCB outlet. If the user fails to attend the face-to-face signing, it will be regarded as giving up the loan application.
How to handle the personal loan of CCB?
CCB's personal loan can be handled through online and offline channels. If you choose the offline channel, users only need to bring complete documents to the counter of the offline business hall of the bank. If the online channel is selected, users can apply through the bank's mobile phone client and online banking.
Matters needing attention in bank loans
1. After the user submits the application materials to the bank, if the information changes, it is necessary to report to the bank in time to prevent the bank from refusing to grant loans to the user because the user information is inaccurate;
2. After the loan application is approved, the bank will sign a loan-related contract with the user. Users should carefully check the contents of the contract to see if there are any mistakes or omissions. If there are mistakes, they need to be pointed out in time to safeguard their legitimate rights and interests;
3. The user should use the loan in a specific direction according to the contents of the contract, and don't use the loan to do illegal things. If the bank finds that the user has improperly used the loan in the follow-up investigation, the bank may recover the loan in advance, and the user may face more liquidated damages.
How to apply? What are the online personal loan processes of CCB?
Although many people are no strangers to loans now, I believe we don't know much about the specific process. So, how to apply? What are the online personal loan processes of CCB?
How to apply?
All major banks have businesses, which can generally be handled through bank outlets, online banking and salesmen. The procedures and procedures are not complicated, but it is necessary to provide complete materials and relevant information, and have certain loan handling conditions.
(1) The applicant is at least 18 years old and provides a valid personal identity document.
(2) have a stable job and income, and have the ability to repay.
(3) Good credit information and no bad credit record.
(4) Provide other necessary information, such as real estate license, driver's license, credit card, bank account, etc.
What are the online personal loan processes of CCB?
Generally speaking, because online banking loans are simple and convenient, small loans can be handled directly in online banking. Among them, the online lending process of CCB is as follows:
(1) Log in to online banking of China Construction Bank, and then click Personal Online Banking to log in.
(2) Fill in the ID number and password, and enter the correct verification code to log in to personal online banking.
(3) Click the Personal Loan button, and then click I want a loan. You can choose ordinary loans or quick loans, depending on everyone's needs.
(4) Next, we click the "Personal Loan" button.
(5) Then we click "I want a loan". We can choose ordinary loans or quick loans, depending on everyone's needs.
However, due to the numerous loan products of CCB, different products have different loan application requirements. Take the online loan of CCB as an example. Generally speaking, users need to meet the following 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 household income of the borrower 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) There has never been any record of personal loan default or other default in CCB.
(5) Other loan conditions required by CCB.
How to apply? What are the online personal loan processes of CCB? For how to apply and the process of CCB's online personal loan, briefly introduce the above contents. I hope I can help you.
What is CCB Express e-loan? How is the interest calculated? explain
Fast credit loan (formerly "fast e-loan") is a full-process online self-service product of CCB, which can be repaid with the loan, repaid in installments and paid with interest when necessary. After successful processing, the loan can be used immediately, and can be paid online, paid by credit card or withdrawn for use. Loan amount: 1 1,000 yuan (inclusive)-200,000 yuan (inclusive). Loan interest rate CCB will implement differentiated pricing according to the specific situation of customers, and the implementation interest rate will be based on the interest rate actually displayed when customers apply. Please refer to the application page for the loan term.
(In case of business changes, please refer to the actual situation. )
How to apply for a quick loan from CCB?
Customers can apply for quick loans in the following ways:
1. If a customer's bank card has been signed for mobile banking, he can log in to mobile banking, click "More" on the right side of inclusive finance through the "Loan" page, and select related products such as "Quick Loan" and "Pledged Quick Loan" to apply as needed.
2. If the customer's bank card has been signed up for CCB's personal online banking, you can select "Credit Express Loan" and "Pledged Express Loan" through the personal online banking menu and click "Apply Now" to handle it.
(In case of business changes, please refer to the actual situation. )
How to handle the online loan of China Construction Bank?
The online loan of CCB can be handled in personal online banking or mobile banking. The steps for personal online banking to handle online loans are as follows:
1. Log in to CCB Personal Online Banking and click "Personal Loan";
2. Click "I want a loan", and you can choose ordinary loans or quick loans, depending on everyone's needs;
3. Fill in relevant information to run the application.
Through mobile banking, the steps are as follows:
1. Open "China Construction Bank" on your mobile phone, and then click "More" on the home page;
2. After entering, click "I want a loan" in "Loan Service";
3. After selecting the loan type, click "Apply Now" below to run online loan processing according to the steps.