CCB Express Loan is a personal loan service product for existing housing loan customers, financial asset customers and private bank customers. In fact, there are four kinds of fast loans, namely "fast e-loan" and "car e-loan" for credit, "financing e-loan" for credit or real estate mortgage and "pledge loan" for pledge. After handling the fast loan of CCB, if you can't repay the loan on time, you can try to call the CCB staff to apply for an extension.
However, whether CCB will agree or not depends on the examination and approval results. If allowed, the repayment time will naturally be extended, but if not, the customer will repay according to the original repayment time. If you don't pay on time, it will be overdue and your personal credit will be damaged.
For example, the fast e-loan in CCB's fast loan supports eligible customers to apply for repayment of part or all of the principal of the fast loan in the form of six, nine and 12 deferred installments through CCB's mobile banking client or online banking 30 days before the loan expires (eligible customers can see the "Apply for installment" button on the corresponding loan page within 30 days after the loan expires).
What should CCB do if it delays the repayment of fast loans? I didn't expect to get support at all!
CCB Express Loan is an online self-help loan of CCB, which contains many loan products, such as express e-loan, financing e-loan, pledge e-loan, car e-loan, and Wo e-loan. Because it is a bank loan business, many users think that if they can't repay in time, they should apply for deferred repayment first, which can avoid overdue records and have enough time to prepare for arrears. Then, can CCB express loan really handle deferred repayment? Click to learn more about loan products.
CCB Express Loan does not support active application for extension.
It should be noted that CCB's fast loan products do not support active application for extension, that is to say, fast e-loan, financing e-loan, pledge loan, car e-loan and Wo e-loan products do not support active application for extension. If you have any questions, you can also call the customer service hotline 95533 and select "1 personal business -0 manual service" to inquire whether you can apply for delaying the repayment of your own CCB express loan.
China Construction Bank's fast loan deferred repayment (user feedback)
A: I called customer service. I can't handle deferred repayment and I don't support installment repayment.
B: official website Online Customer Service replied that the products of CCB Express Loan do not support the initiative to apply for extension.
C: The customer service said that there was no deferred repayment service for CCB Express Loan, so it was impossible to handle this service.
Tips: Although the bank's loan business can usually handle deferred repayment, as far as the current situation is concerned, CCB's fast loan does not support deferred repayment. If you encounter special circumstances, you can call the customer service hotline to see if you can handle it specially.
What everyone here is most concerned about is how to postpone repayment. I didn't expect that the original CCB fast loan didn't support deferred repayment at all. However, according to online customer service, the specific situation needs to be decided according to local conditions after calling the hotline. Looking at the feedback from most netizens, I feel that the success rate of CCB's quick loan application for deferred repayment is basically small, and repayment on time is more reliable!
Can CCB Express E-loan be postponed? I finally figured it out today!
China Construction Bank's fast e-loan is a very convenient mobile phone loan product, suitable for office workers or business people. You can apply for a loan at home and submit it immediately after approval. Judging from the current situation, CCB Express E Loan can be repaid in multiple times, so can it be postponed? Let's get to know each other.
I. Repayment Term of CCB Easy Loan
1. Loan term: 3, 6, 9, 12, 24, 36 months.
2. Due to policy reasons, only1February can be selected when applying.
3. The optional term of each month is slightly different, and the CCB system will adjust the loanable term according to personal qualifications, reputation and current policies.
2. Can CCB Express E-loan postpone repayment?
I can't. According to the regulations of the bank, the maximum validity period of the loan amount that can be applied for by "Fast E Loan" can reach 1 year, and it can be recycled within the validity period, and all loans must be settled on the expiration date of the validity period.
If the fast e-loan is not settled manually, it will be settled automatically after it expires. If you need to borrow again, you need to apply for approval again.
3. What are the consequences of the extension of CCB Express's e-loan?
1, bad credit. Credit information will be collected at the fast e-loan meeting. Once the repayment is delayed, it will leave a bad record on the credit report. In the future, buying a house, buying a car and doing a card will be blocked, which will be very troublesome to repair, and it will be eliminated naturally after several years.
2. Freeze permissions. If the repayment is delayed for a long time, if it is not paid all the time, you may not be able to apply for the American Express E loan in the future, and this consequence is also very serious.
To sum up, it is urgent for CCB to fast e-loan. Everyone must repay the loan on time, cherish credit and be honest.
Can the fast loan be extended when it expires?
The quick loan can be extended when it expires.
Generally speaking, many bank loan products do not support deferred repayment, but CCB Express Loan is an exception. Friends of CCB's fast loan who have not expired can apply for deferred repayment.
How long can it be extended? The bank did not make it clear to the public that individuals need to consult CCB.
Friends who need to postpone repayment, it is best to go to CCB outlets or call customer service before the repayment date, explain the reasons why they can't repay in time and apply for deferred repayment.
Although the extension will not affect personal credit, but the frequency is not good, it is better to try to pay off the loan on the repayment date in the future.
China Construction Bank (CCB) was established in June 1954 65438+ 10/. The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and one of the four largest banks in China. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business.
It has branches in Hongkong, Taiwan Province Province, Melbourne and other places, and has many subsidiaries such as CCB Fund, CCB Leasing, CCB Trust, CCB Life Insurance, Sino-German Housing Savings Bank, CCB Asia, CCB London, CCB Russia, CCB Dubai and CCB International. , to provide customers with comprehensive financial services.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country.
20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. On February 20 17, brand finance released the list of the top 500 global brands in 20 17, and China Construction Bank ranked 14. In 20 18, Fortune Global 500 ranked 3 1.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.