It only takes 3 working days at the earliest to lend money. During the epidemic, most residents have been isolated from their homes, making it inconvenient for the People's Bank to borrow money. The reporter learned that at present, China Construction Bank has launched an exclusive emergency plan during the epidemic period, and it only takes three working days from the application of the business owner to the success of the loan. Good commercial loan is a loan product for small and medium-sized enterprises, with low interest rate, long term and high quota, which is conducive to the emergence and development of small and medium-sized enterprises and the progress of national economy.
Second, the construction bank's good loan process.
The process is as follows:
1. Prepare loan information and apply for a loan from the bank.
2. The bank staff went to the business site to make accounts and take photos.
3. CCB issued a loan.
Third, how does CCB lend money?
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Fourth, what is the process of CCB's good loan operation?
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.
(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: Before the loan expires, the borrower must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after approval by the bank.