Many netizens spit, who said that CCB's fast loan threshold is low? Why is my quota so small? . Some netizens replied at the bottom, who said that your quota is low, my direct quota is 0, and there is probably no lower one! In fact, CCB's fast loan threshold is low, but it also has certain application conditions, and then the quota is zero. How can we increase the quota?
Why is CCB's fast loan quota 0?
The fast loan amount of CCB is automatically calculated according to your financial assets in CCB, such as deposit-based wealth management products, and the mortgage situation you handle in CCB is also the calculation basis. If your quick loan amount is 0, it proves that your financial assets and mortgage situation have not reached the requirements for applying for quick loan.
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How can we increase the quota?
1, continue to maintain a good credit record, without loans overdue and other bad information, and increase your personal credit.
2. Supplement the application materials to ensure the integrity and authenticity of the materials, so as to gain the trust of CCB more easily and help to increase the credit line.
3. To increase the financial assets of CCB, you can transfer the deposits in other banks to the savings card of CCB, or increase the total assets of wealth management products.
4. Increase the flow of funds in CCB accounts and pay attention to non-credit cards. The bank will automatically adjust your fast loan amount by the computer system according to your data flow.
How to solve the problem of CCB's fast loan without quota?
Solution to the problem of no quota for CCB's fast loan;
1 The user has no quota when applying for quick loan, indicating that his loan application has not passed the examination, which is generally caused by insufficient personal comprehensive score. Borrowers can improve their comprehensive scores by increasing their personal assets in CCB, such as handling some large deposits and purchasing CCB wealth management products.
2. Users apply for ultra-fast loans, and the amount is reduced to 0 yuan. This situation is generally due to the applicant's credit problems. In this case, he can only apply for a loan after his personal credit information is restored.
3 illegal use of fast loan quota will also lead to zero quota. In this case, the borrower can try to appeal to the bank.
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,and headquartered at No.25, Financial Street, Beijing.
Fast Loan was launched in February, 2065438+2005, and operated independently by Hangzhou Xinyi Business Consulting Co., Ltd., which is an Internet-based lending information service platform.
Quick loans need to be used with caution:
1. Maintain a good reputation. CCB Express Loan can be used, but you must remember to repay it on time and don't forget to pay it back, otherwise it will have a great impact on credit.
2. Do it moderately. In any case, there will always be some disadvantages if there are more times, and so will CCB's fast loans. Don't use it frequently.
3. Time is very important. If you plan to apply for a mortgage within six months, it is best not to apply for a quick loan from CCB, and it is more appropriate to apply after the mortgage is approved.
Requirements for handling fast loans of CCB: Individual CCB customers who have handled banking business such as deposit, purchase of wealth management/treasury bonds/funds, loans and payroll payment in CCB, have the corresponding ability to repay loan principal and interest, and have good personal credit can apply for fast loans and obtain loan quotas. The more businesses they handle, the higher the quotas. Please refer to the actual display on the application page as to whether CCB Express Loan can be used.
How to apply for quick loan from CCB: Log in to CCB Mobile Banking, enter the "Loan" page, click on the quick loan activity page under "Recommend for you", enter the quick loan page and click "Apply", enter the application amount and fill in the SMS verification, waiting for the audit result.
How long will it take for CCB's fast loan quota to become 0 to recover? CCB's fast loan quota was rejected?
Many borrowers will choose some small loan products owned by banks when applying for loans. For example, CCB Express Loan, a subsidiary of China Construction Bank, is a personal microfinance product that many borrowers are using. After the borrower's consultation, how long will it take for CCB's fast loan quota to become 0 to recover? CCB's fast loan quota was rejected?
How long will it take for CCB's fast loan quota to become 0 to recover?
CCB's fast loan quota has become zero, so customers can wait a week to see if the quota will be restored. CCB's rapid loan quota has become zero, which may be caused by various reasons. Different problems will have different solutions, and the recovery time of the quota will be different.
If the customer has a bank overdue risk control, it is not a simple matter to restore the quota. Lenders need to pay off their debts in time, and it takes time to repair personal credit reports. It is difficult to restore the fast loan line in the short term.
If the lender has applied for a quick loan across the tier-1 branch and occupied the credit line, in this case, it is necessary to pay off the last loan before resuming the credit line.
CCB's fast loan quota was rejected?
When applying for quick loan, the amount you see is actually a credit line, but even if there is a credit line, it needs to be approved by China Construction Bank before you can successfully apply for a loan. However, if CCB finds that the customer's personal qualifications are not up to standard during the audit process, it will directly refuse the loan.
As a credit product, fast loan must remember to repay on time after application. If it is overdue, it will cause great damage to personal credit, and at the same time, it will be charged a lot of penalty interest by the bank, which will increase the repayment pressure of the lender.
The above is the related content sharing of "How long will it take for CCB's fast loan quota to become 0?" I hope it will help everyone!
What should I do if the quota is 0 after the quick loan of CCB is settled? Now you can raise the amount!
China Construction Bank is one of the four state-owned banks in China, and its credit business has also attracted much attention. As the most popular loan product, fast loan is applied by many people every day. Some users found that their quick loans were zero after settlement. What should I do?
1. Why is the amount of quick loan 0 after settlement?
1, policy reasons
It may be that after you settle down, the banking and financial industries have relevant policies to adjust the loan quota, and you may not get the loan for the time being. This situation can be seen another day, and the success rate is still relatively high.
2. Personal qualifications
Maybe after your settlement, the system recovery quota needs to be evaluated, and it is found that your mortgage, provident fund, financial products and credit have all changed recently, so you can't give the quota any more.
3. Too many credit cards
Generally speaking, there should be no more than five credit cards on hand, and the debt ratio should not be too high, which has a great impact on loans. You can pay some bills and see if there is a limit.
Second, CCB's rapid lending method
1, authorized to inquire about provident fund.
Every office worker, the company can pay the provident fund for individuals according to the regulations, and can apply for housing provident fund loans when buying a house, so the payment period, amount and area of the provident fund are very important.
CCB Express Loan can now authorize users to inquire about the housing provident fund. Choose a local housing provident fund management center and enter your personal account number for inquiry, which may increase the amount of CCB Express Loan.
2. Authorized JD.COM Information
Now that China Construction Bank is cooperating with JD.COM, if the borrower has high consumption and high reputation in JD.COM, it can also increase the credit line of quick loan. Simple operation. After checking the agreement, you can automatically link to JD.COM without entering an account number.