Take CCB's "quick loan" as an example. How much do you know about the rules of use?
Online finance
"Quick loan" is a self-help loan business launched by China Construction Bank for individual customers. Applicants can apply in personal online banking or mobile banking without submitting any paper materials at bank outlets. It has the characteristics of unsecured, secured and pure credit, and the specific rules of use are as follows:
Individual customers can apply for loans within the "quick loan" limit, and cannot apply directly if the limit is exceeded. If the quota has been used up and you want to reapply, you can only increase the quota or repay the previous loan by applying.
(1) If the amount is not enough, you can apply for cash withdrawal on the quick loan page.
(2) After the previous loan is paid off, the corresponding amount will be restored in real time under normal circumstances, and you can apply for a new loan after the amount is released.
quota
"Quick loan" funds have limited uses and can only be used for personal daily consumption, such as shopping.
It shall not be used to purchase investment and wealth management products such as stocks, real estate and funds. Nor shall it be used for housing or other purposes prohibited by relevant state laws, regulations and rules.
Once it is found that it violates the use regulations, the bank has the right to require the lender to repay in advance and recover the amount of fast loans.
After individual customers successfully apply for "quick loan", they can use the loan funds through credit card consumption, online order payment and cash withdrawal.
To swipe/punch a card
Related Q&A: What are the requirements of CCB's fast loan? The requirements for handling CCB's fast loan include:
1, a natural person aged 20-55, with full capacity for civil conduct;
2. Have a local permanent residence or long-term residence certificate and a fixed residence;
3. It has a stable and legal source of income and the ability to repay the principal and interest of the loan on schedule, and the annual income of the borrower's family is more than 20,000 yuan;
4. (1) BBB grade assessed or recognized by the bank, with a credit rating of 3 or above;
5. It has a good reputation in the personal credit information system of the central bank and has no bad credit record.