The comprehensive scoring items of CCB's quick loan are:
1 individual provident fund payment review
Personal provident fund has been paid for 6 months or more, of which 6 months is the minimum standard. The limit is generally about 100 times of the deposit amount of the provident fund balance, with a maximum of 300,000. If the monthly contribution of the provident fund is 500, the maximum loan amount you can apply for is 50,000.
2. Personal credit information and repayment ability review
Users who apply for quick loan from CCB need to have a CCB mortgage, and the normal repayment is at least 2 years or more. The amount is automatically evaluated by the banking system based on personal credit information and monthly repayment amount, and the relevant amount will be automatically displayed if there is any.
3 Audit of other loan products
Shopping is usually done through JD.COM, and the quota is automatically evaluated through the system of collecting personal consumption information of JD.COM. In addition, CCB's quick loan evaluation also includes the applicant's personal credit information, repayment ability, salary flow, assets under his name, age and address information.
Generally speaking, the payment of personal provident fund, personal credit information, repayment ability and other loan products are the contents that CCB needs to review and evaluate. At present, CCB's fast loan is automatically approved by the banking system, and there is no need for telephone audit, and the amount is immediately received. You only need to pay interest every month and pay off the principal in one lump sum when it is due.
Second, how to calculate the evaluation fee for CCB loans to buy second-hand houses? Do I have any other money to pay the bank in Harbin?
Generally speaking, appraisal fees are not charged for housing loans, unless you mortgage your other properties to a bank loan, so appraisal fees will be charged. The appraisal fee for the company and the house is general, and other circumstances may be different, please adopt it ~
3. How to price the mortgage loan of China Construction Bank?
The loan amount assessed according to the current house price is about 50% of the assessed price.
4. How does CCB evaluate the loan amount?
Mortgage-the credit of the guarantor. . . Ask the bank for details.