Students only have entrepreneurial loans and student loans.

2. Can CCB bank cards be used for loans?

Whether you can get a loan mainly depends on what kind of bank card it belongs to. Bank cards are divided into "credit cards" and "savings cards". The former is loanable and the latter is not loanable. Details are as follows:

1. Credit cards can be used for loans;

Credit cards are divided into "credit cards" and "quasi-credit cards". Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay; A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

2. The savings card cannot be loaned;

The main function of a savings card is to save deposits. Cardholders can read and manually enter passwords through the electronic payment network established by the bank and the magnetic stripe of the card, so as to realize credit card consumption, ATM withdrawal, transfer and various payments. The expenses incurred through the card are equal to the decrease in the balance of the savings account. If the account balance is zero, the payment/loan function of the card will also be reduced to zero.

3. What is the annual interest rate of China Construction Bank's 200,000 yuan loan?

In order to accurately calculate the loan interest, we need to know the amount, interest rate, years, loan types and repayment methods. Loan calculation formula: loan interest = loan amount, loan interest rate and loan term. In principle, the loan interest rate of each bank is different, and it fluctuates up and down the benchmark interest rate of the central bank.

Take the credit loan interest rate of China Construction Bank as an example. The annual interest rate of the benchmark loan of CCB is 4.35% from 6 months to 1 year (inclusive), so the annual interest rate of the loan is 200,000,004.35% 65,438+0 = 0.87 million yuan.

4. Can CCB handle loan business with ordinary bank cards?

CCB's ordinary bank card can't be loaned. If it is credit, you can check how much you can overdraw at most, but credit cards generally do not withdraw money, mainly for consumption.