Conditions for applying for loan business:

Natural persons aged between 18 and 65;

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.

What are the basic conditions for small and micro enterprises to apply for bank loans in Beijing?

The conditions for small and micro enterprises to apply for loans from Bank of Beijing mainly include the following aspects: 1, opening a basic account in Bank of Beijing with a certain settlement amount; 2. The applicant holds a loan card; 3. The borrowing enterprise has a fixed business place; 4. The borrowing enterprise has good income, good credit and repayment ability; 5. It is often said that the main legal representative of the borrowing enterprise has his own residence in Beijing; 6. The enterprise continues to operate normally; 7. Enterprises can provide collateral recognized by Bank of Beijing as a guarantee; 8. Other conditions required by Bank of Beijing.

What is the fast loan process for small and micro enterprises of CCB?

1. If you want to apply for fast loans for small and micro enterprises, you need to enable this function first. The specific operation is to enter the enterprise online banking, click Service Management-Business Management-Enable, and then select Credit Investment-Quick Loan for Small and Micro Enterprises-Enable.

2. Click "Open", then click "I want quick loan-authorize immediately", select the enterprise loan issuing account, and click "OK" to authorize.

3. Log in to the authorized personal online banking to apply for a loan, and click Personal Loan-Small and Micro Enterprise Loan-Fast Loan Application.

4. Find the fast e-loan, click Apply Now, and fill in the loan information according to the page prompts, including the amount and duration. Then submit it for approval.

5. Read the fast loan contract of China Bank for small and micro enterprises, and click on the signature.

6. After signing the contract successfully, click Quick Lending, enter the loan amount and confirm the loan information.

China Construction Bank is a national vice-ministerial unit and a large state-owned bank managed by the central government. Established in June 1 954 65438+1October1,the head office is located at No.25, Beijing Financial Street.

The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in more than 20 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance and property insurance.

On February 9, 2022, Forbes released the list of the top 50 global blockchains in 2022, among which China Construction Bank ranked.

Enterprise profile

China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing. Its predecessor, China Construction Bank, was established in June 1954. The Bank was listed on the Hong Kong Stock Exchange (stock code 939) on June 5438+1October 2005 and on the Shanghai Stock Exchange (stock code 60 1939) in September 2007. At the end of 20 19, the market value of the bank was about 21768.6 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.

By 2020, this bank has provided comprehensive financial services such as personal banking, corporate banking, investment and wealth management, with 65,438+04,965,438+02 branches and 347,654,38+056 employees, serving hundreds of millions of individuals and corporate customers. In the fund, leasing, trust, insurance, futures, pension, investment banking and other industries with subsidiaries. Overseas institutions cover 30 countries and regions, with more than 200 overseas institutions at all levels.

branch

China Construction Bank has overseas branches in Hong Kong, China, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), South Korea (Seoul), the United States (new york), Vietnam (Ho Chi Minh City), Australia (Sydney, Melbourne), Luxembourg, Taiwan Province Province of China (Taipei), Hong Kong, China and the United Kingdom (London).

Return of loan interest of small and micro enterprises in Beijing

Company loan interest is not refundable.

The benchmark interest rate of loans from the People's Bank of China can be divided into three situations. The first is the short-term loan interest rate of 4.35%, within 6 months or 1 year. Second, the benchmark interest rate for medium and long-term loans is 4.75%, including the term 1 to 3 years. The third type belongs to the longer benchmark loan interest rate of 4.9%, and the loan period is more than 5 years. The interest rate of local banks is adjusted according to the benchmark interest rate of the central bank.