I still have some say in CCB's fast loan. After all, I have used the fast loan for two years.
To sum up, CCB's fast loan is easy to use and the interest rate is low, but it also has a disadvantage-uncontrollable. I don't know if I can lend it if I go in.
In 20 19, I took out a loan of150,000 at CCB, and it was paid back in a few minutes. It's convenient to tell my colleagues. A colleague of mine who used CCB Express Loan said that you should pay attention to the fact that there will be no quota after some of them are paid back. By 2020, after the repayment, the loan will be 654.38+0.6 million in March and May respectively, and the interest rate is 4.35%, which is still quite low. You can apply through mobile banking, which is simple and fast, and the interest rate is cost-effective.
A few days ago, a colleague said that CCB's fast loan had been repaid and there was no quota to re-apply. It was prudent, so he went to the Agricultural Bank of China for a period of time before the loan expired. Sure enough, there was no quota after the loan was repaid.
Although China Construction Bank is convenient for quick loans with low interest rate, there is no quick loan quota after the loan is paid off. If it needs to be paid, the loan will be cut off.
In order to solve this problem, it is suggested to take a walk in other banks. After a long time, there will be corresponding quotas. If CCB has a quota, other big banks should also have quotas. I took 200,000 lines from the Agricultural Bank of China.
Fast loan is a self-help loan product launched by CCB for individual customers. If you want to apply for a loan, you only need to complete the loan through CCB's electronic channels, including application, loan approval, signing, disbursement and repayment.
If you want to apply for a quick loan, you can do it yourself at CCB's mobile banking, online banking or intelligent teller machine. Just follow the prompts. The loan process is simple and convenient to handle.
At present, there are five kinds of fast loan products of CCB, namely: fast e-loan, financing e-loan, pledge loan, car e-loan and wo e-loan.
How to obtain the fast loan quota of CCB?
Applying for different quick loan products has different loan requirements.
Kuai Yi Loan is a credit loan product. CCB will comprehensively evaluate the loan amount according to the credit status, asset status and repayment ability of the loan applicant. The loan amount ranges from 65,438+0,000 to 300,000 yuan. After borrowing, it can be recycled and repaid with the loan.
E-loan needs to provide corresponding materials according to the requirements of CCB. The loan amount is 5-5 million yuan, and the loan can be recycled for up to 5 years.
Pledged loans require borrowers to have fixed deposits, certificates of deposit, wealth management products and other assets in CCB, or provide insurance policies of insurance companies that have cooperative relations with CCB. The minimum loan amount is 1 1,000 yuan, and the maximum loan amount is 3 million yuan.
There are many restrictions on car e-loan. Loan applicants can choose cars online and pick them up offline. They need to choose a car brand or website that cooperates with CCB, and the loan amount can be up to 500,000.
The borrower of Wo E loan must be the individual actual operator represented by Unicom, and the maximum loan amount can reach 500,000 yuan, and the loan period is short, the longest is only 2 months.
When it comes to the fast loan of China Construction Bank, if the borrower meets the conditions of fast loan, the loan is relatively simple and the amount is relatively high, but the loan must be repaid on time, otherwise it will affect the credit investigation.
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Quick loan is definitely a good product. At present, there are few interest-bearing credit products, and the interest on quick loans is not high. If it is recommended to use it, take it out at one time, and don't use it multiple times, because a credit record will be displayed on the credit report every time. The loan must be well planned.
I didn't get a quick loan, but today I got the installment loan amount of 162000, 1 ID card, 1 mobile phone. I received the card in three days, which is very efficient.
All right! You must have a lot of money Not good! Good or bad! Your money is unstable and will flash! ! You don't care if you have no money, and TA doesn't care!
The interest is very low, 6,543,800 yuan+0,000 yuan a month, 3,200 yuan, and it can last for three years, and the longest can be ten years.
Is China Bank's Fast Loan Reliable?
It's more reliable, but I can't borrow fast loans if I want to. The lender must verify whether the lender has the repayment ability and will default on the loan. The advantage of fast loan is that it can be repaid directly on the mobile phone without going through many procedures, but it may also have certain risks.
How to solve the overdue fast loan?
1. Greet the emergency contact. After the deadline, expired follow-up information will be sent. In case of unsuccessful coordination and communication with the borrower for many times, it will communicate with the emergency contact person provided by the borrower in the application materials. Therefore, the borrower should inform them in advance, explain what happened and strive for their understanding.
2. Take the initiative to negotiate. When receiving the overdue follow-up call, tell yourself the current economic situation truthfully and pay off the arrears according to the agreed time. If you sit idly by or continue to overdue, you will face legal proceedings.
Never repay old debts with new debts. After the deadline, don't rob Peter to pay Paul, and don't be afraid to raise a loan with a loan. Paying old debts with new debts will not only fail to land, but will sink deeper and deeper, and the bitter fruit will only be tasted by yourself.
4. Work hard to make money. If it is overdue, try to make money instead of passively waiting for death. This is very important. If you are unemployed, find a job immediately and exchange your labor for money. If you have a job, you can consider using your spare time to make more money to repay.
The problem that fast loans can't be repaid.
1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;
2. If the lender fails to perform the judgment within the performance period after winning the case, it will apply for compulsory execution;
3. When accepting enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;
4. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.
What is the fast loan app like? Is the safety factor high? Is it a regular company?
1, fast loan app is a regular company. The fast loan app is a product of well-known Internet finance companies digging for money, and the background is still relatively hard. CEO Li Zhi is the founder of Word of Mouth and Alibaba Cloud. President Gu was the general manager of retail business strategy of Standard Chartered Bank and the financial analyst of First Capital Bank in the United States. The whole team is excellent.
2. Fast loan completely obtains the user's credit data from the Internet, and requires users to provide relevant information of Taobao account number, mobile phone account number and online banking account number, so as to quickly carry out system approval and lending. Sensitive data is encrypted by bank-level 128-bit RSA encryption technology. There is reason to believe that fast loan is formal and reliable, and users' information will not be joked, otherwise the company will not exist for five years! Therefore, the safety factor of the fast loan app is relatively high.
Specific introduction of fast loan app:
1, "quick loan" is a mobile phone loan app launched by Caicai on 20 15, which is divided into two modes: "quick loan" (up to 3,000 yuan) and "large loan" (up to 200,000 yuan).
2. It is characterized by pure online submission of materials and data model supplemented by manual approval. Then, because of the pure online, there is no success of storefronts and manual salesmen, and the interest rate is relatively low, the speed is not much to say, and it is definitely faster than banks and offline.
Is fast loan a regular loan company?
Hello, is Express Loan a regular loan company? Kuai Loan Network is a loan of Sichuan Kuai Loan Network Financial Service Outsourcing Co., Ltd., and Kuai Loan App is an online loan software, with a maximum loan of 654.38+10,000 yuan, flexible quota, ultra-fast automatic review, 1 hour fast payment and no mortgage guarantee. It is reported that the interest rate is a bit high, and the fast loan is still a formal loan company. In contrast, where is the most reliable and direct payment? At the same time, be careful not to pay the pre-loan fee to avoid being cheated.
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. Money spent-full easy loan, the maximum loan amount is 200 thousand (click online to calculate the loan amount for free), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.