Generally, the loan requirements of CCB are relatively high. If you don't have enough qualifications, it is difficult to borrow money from the bank. I suggest that you can apply for a loan in official website, China. There are many kinds of loans, not only mortgage loans, but also unsecured loans, free of charge.
General loan application, the required materials are as follows:
Original and photocopy of the borrower's valid identity certificate; Local permanent residence or valid residence identity certificate; Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy; The pledge right, the list of collateral and ownership certificate required by the borrower to obtain the pledge and mortgage amount, and the written documents of the owner and the property * * * agreeing to pledge and mortgage; A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount; Credit certification materials of the guarantor; Collateral evaluation report issued by the evaluation department recognized by the society; Other documents and materials stipulated by the bank.
See my "space" for more loan problems.
2. What are the new policies for small and micro enterprise loans of CCB?
In 2020, affected by the epidemic, many small and medium-sized enterprises are facing financial problems. After the notice issued by the Ministry of Finance, Ministry of Human Resources and Social Security and the People's Bank of China, major financial institutions have successively issued many preferential policies to further increase the interest subsidy support for small and micro enterprises' guaranteed loans and fully support small and micro enterprises to resume work and production.
The preferential policies for small and micro enterprises of CCB are as follows:
1. Optimize online services: In the past, SME loan business had to go back and forth to banks. Since the beginning of this year, China Construction Bank has liberalized its online corporate loan business, which can not only transfer money quickly, but also handle more and more businesses through the mobile banking APP, which is quite convenient for enterprises.
2. Lower the loan threshold: Small and micro enterprises are not as qualified as large and medium-sized enterprises, and often cannot provide sufficient collateral or ideal proof of running water. CCB will reduce the loan requirements for small and micro enterprises, but such loans usually need the guarantee of a third party (government or guarantee company).
3. Preferential loan interest rate: At present, the loan interest rate of state-owned banks basically fluctuates around the LPR quotation, which is lower than the same period last year, reducing the financing cost of small and micro enterprises. However, many small and micro enterprises are supported by loans from financial institutions, guaranteed by designated guarantee institutions and subsidized by government departments.
4. Extension of loan term: the business guarantee loans for small and micro enterprises and individual industrial and commercial households that encounter temporary liquidity difficulties can be extended to June 30, 2020 at the longest, during which the financial department will give normal interest subsidies. If the borrower suffers from COVID-19, the extension period of the personal business guarantee loan issued shall not exceed 1 year in principle.
5. Shorten the approval time and simplify the process: At present, CCB will generally speed up the pre-loan investigation, simplify the approval as much as possible, improve the relevant procedures, and let the loan be put in the first place.
Three. China Construction Bank 202 1 New Fast Loan Regulations
Legal analysis: 1. In terms of handling, users can operate through mobile banking and online banking. According to the user's credit situation, the actual execution interest rate and loan arrival time will be different, subject to the page display.
2. Usage: Users can withdraw cash, spend by credit card and transfer the fast loan line. But you can't use this money to buy a house, invest, or return any loans or credit cards. In other words, fast loan funds cannot flow into prohibited areas, nor can they be used to repay loans.
3. Repayment: At present, users are supported in four ways: loan repayment, monthly interest payment, one-time principal repayment, equal principal and interest. Users can find "quick repayment" in mobile banking or online banking to operate. It is recommended to prepare funds before repayment to avoid overdue repayment on the repayment date, which will have a negative impact on personal credit.
Legal basis: Article 4 of the Notice issued by China Banking Regulatory Commission, China People's Bank and Development and Reform Commission. Regarding the temporary extension of loans for SMEs, banking financial institutions should actively meet the financing needs of SMEs, establish a green channel, simplify the loan approval process, appropriately delegate the approval authority, and issue loans as soon as possible. It is necessary to improve internal resource allocation, performance appraisal, due diligence exemption and other policy arrangements, and strive to increase the proportion of small and micro enterprise credit loans, medium and long-term loans and "first loan rate". Local corporate banks should take the initiative to apply to the People's Bank of China for new refinancing and rediscount quotas, actively cooperate with the new credit plan of policy banks, and issue loans to private and small and medium-sized enterprises at preferential interest rates.
4. What are the new policies for small and micro enterprise loans of CCB?
Affected by the epidemic in 2020, many small and medium-sized enterprises are facing financial problems. After the Ministry of Finance, Ministry of Human Resources and Social Security and the People's Bank of China issued notices and various preferential policies, they further increased their support for secured loans for small and micro enterprises and fully supported the recovery of small and micro enterprises.
The preferential policies for small and micro enterprises of CCB are as follows:
1, online optimization requires many trips to and from the bank. Since the beginning of this year, China Construction Bank has liberalized the online enterprise loan business, which not only can quickly handle the transfer of funds, but also makes it more convenient for enterprises to handle it through mobile phones.
2. Lower the loan threshold: Small and micro enterprises are not as qualified as large and medium-sized enterprises, and often cannot provide sufficient collateral or ideal proof of running water. CCB will reduce the loan requirements for small and micro enterprises, but such loans usually require a third-party guarantee (government or bear).
3. Preferential loan interest rate: At present, the loan interest rate of state-owned banks basically fluctuates around the LPR quotation, which is lower than the same period last year, reducing the financing cost of small and micro enterprises. However, many financial institutions provide loans, designated guarantee institutions guarantee, and government departments discount interest.
4. Extension of loan term: for small and micro enterprises and enterprises with temporary liquidity difficulties, the extension period can be extended to June 30, 2020, during which the financial department will give normal interest subsidies. For those with COVID-19's disease, the time limit is extended.
5. The approval time is shortened. Simplifying the process will generally speed up the relevant procedures of pre-loan investigation and review, so that the loan can be put in the first time.