1. CCB installment is an installment payment service for customers with good credit history, stable professional income and normal consumption behavior. CCB has granted them a special installment pre-credit line in advance to meet the daily demand for large-scale consumer credit, and customers can spend at designated merchants after successfully handling it. CCB Express Loan is a full-process online self-help loan for individual customers launched by CCB. Customers can complete loans online through electronic channels of CCB, including real-time application, loan approval, contract signing, withdrawal and repayment.
2. CCB has only one product by stages, and there are four products for fast loans, namely, fast e-loan for credit and car e-loan, financing e-loan for credit or real estate mortgage, and pledged loan;
3. Staging of CCB. If you are not a customer who signed a contract with mobile banking, you need to handle it at CCB outlets. Fast loans can be handled through CCB mobile banking, online banking and intelligent teller machines, and you don't need to go to CCB outlets.
4. CCB will charge a monthly fee of 0.5% in installments. The interest rate of fast e-loan is calculated and differentiated by the background model of the system according to the user's credit situation, contribution to CCB and other factors, and the execution interest rate is based on the interest rate actually displayed when the user applies; The loan interest rate of e-loan is floating interest rate, and the page shows the interest rate range where the current benchmark interest rate rises by 20% to 50%, and prompts the user that the loan interest rate is subject to the interest rate agreed when signing offline; The loan interest rate of "pledge loan" is floating interest rate, and the current minimum is 4.35%; The loan interest rate of "Car E Loan" is 1 year 4.35% and 3 years 4.75%.