Processing flow:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.

4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

5. loan settlement. Loan settlement includes normal settlement and early settlement.

Extended data:

1. Loan target: It is applicable to China citizens with full civil capacity who have consumption financing needs and are at the age of 18 but not over 60 years old.

2. Purpose of the loan: Personal consumption loans must have clear consumption purposes, which can be used for various consumption expenses of individuals and their families (excluding the purchase of housing and commercial housing), such as housing decoration, car purchase, purchase of durable consumer goods, tourism, marriage, education and other consumption purposes.

4. Loan amount: the loan amount for a single household shall not exceed 2 million yuan.

5. Loan term: no more than five years.

6. Loan interest rate: The loan interest rate of China Construction Bank shall apply.

China Construction Bank-Personal Consumption Loan