1. What is the interest rate of CCB's quick loan?

The annual interest rate of CCB's "fast e-loan" is 7.2%, the annual interest rate of "financing e-loan" is at least 6.72%, and the annual interest rate of "pledged loan" is at least 5.6%.

According to the type of loan you apply for, the loan amount of CCB's "quick loan" is divided into:

1, "fast e-loan": 1 ten thousand yuan (inclusive)-fifty thousand yuan (inclusive);

2. "Financing e-loan": 50,000-3 million yuan (inclusive);

3. "Pledged loan": 5,000 yuan (inclusive)-1 10,000 yuan (inclusive).

The fast loan interest of CCB is calculated on an annual basis. The original annual interest rate is 7.2%, and the preferential interest rate is 6.6%. Bian Xiao gives you a detailed introduction to the calculation method of CCB's fast loan interest.

The minimum loan amount for quick loan of CCB is 1 1,000 yuan, and the maximum loan amount is 50,000 yuan. The loan term is 65,438+0 years. Therefore, the interest calculation formula of CCB's fast loan is:

Interest = loan amount 1 annual interest rate

2. What is the quick loan amount of CCB?

CCB's fast loan includes three products: fast e-loan, financing e-loan and pledge loan, with different application quotas:

1. The applicable amount of "fast e-loan" is 1 000-50,000 yuan, and the longest loan term can reach1year.

2. The loan amount of "Rong E Loan" ranges from 50,000 yuan to 5 million yuan. By means of credit and mortgage, the loan period can be up to 5 years.

3. The loan amount of "pledge loan" ranges from 5,000 yuan to 1 10,000 yuan, and the longest loan period can reach 1 year.

Three. CCB's fast loan application process:

(1) The borrower needs to download the CCB app.

(2) online application;

(3) After the borrower submits the application, the approval process will be carried out;

(4) Online signing, CCB Express Loan supports multi-channel self-service repayment.

Second, the loan interest rate of CCB is fast and convenient.

The fast loans of China Construction Bank are divided into "fast e-loan", "financing e-loan", "pledge loan", "car e-loan" and "Wo e-loan", and the specific interest rates are as follows:

The interest rate of "Fast E Loan" is around 7.2%.

The interest rate of "e loan" is about 6.72%.

The interest rate of "pledged loan" is about 5.6%.

The interest rate of "car e loan" is about 4.35%.

The interest rate of "Wo E Loan" is around 5%.

The fast loan interest rate of China Construction Bank is also related to the qualifications of the lender. The better the qualification, the lower the interest rate. When banks have preferential activities, the loan interest rate is also discounted. At present, the lowest interest rate is 4.35%. The specific interest rate is subject to the signing of the final contract.

3. How much is the interest of the 36th installment of CCB Express Loan?

The 36-term interest of CCB's fast loan of RMB 65,438+/kloc-0,000,000 is calculated according to the repayment method of equal principal and interest of CCB. The loan principal is 65,438+000,000 yuan, the annual interest rate is 4.75%, the loan period is 3 years, the monthly repayment amount of principal and interest is 2985.88 yuan, and the total repayment amount is 65,438+0074965438 yuan. Since then, the monthly interest paid has decreased and the principal paid has increased.

4. How to calculate the fast loan interest of CCB?

At present, CCB's fast loan includes several credit loan products, namely, fast e-loan, financing e-loan, pledge loan, car e-loan, and Wo e-loan, all of which can use the formula: rate to calculate interest.

For example, if you apply for a fast E loan with an interest rate of 7.2%, the loan is 10000 yuan, and the annual interest is 10000 yuan × 1 year× 7.2% = 720 yuan. Because fast e-loan supports repayment with borrowing, the interest on prepayment is calculated on a daily basis, and the daily interest rate is 7%. If you borrow it for three months, the interest is 10000 yuan ×90 days× 0.02% =180 yuan.

You can only borrow it for two periods, but its annual interest rate is 5.0025% a year. If you want to calculate the interest of Wo E loan, you can use the formula: annual interest rate ÷ 12 months to calculate the monthly interest rate, and then use the public period to calculate the interest.

For example, if you take a loan of 1000 months in Wo E, the interest rate is 5.0025%÷ 12 months ≈0.42%, and the interest rate is 0.42%× 10000 yuan ×2 months ≈84 yuan.

Extended data:

CCB Express Loan:

Quick loan, referred to as "quick loan", refers to the internet financial services provided by online banking users for deposit customers. It can apply for approval online, support various forms of online or offline signing and withdrawal, and meet customers' rapid financing, wealth management products and national debt. CCB or CCB private bank customers can apply.

CCB's fast loan application process:

1. Log in to mobile banking → click the "Quick Loan" icon → click "Apply".

2. Enter the application amount → enter the SMS receiving verification code for confirmation → Success.

CCB's fast loan interest rate:

Because there are many products of CCB's fast loan, the application conditions and annual interest rate of each product are different.

According to relevant consultation, the annual interest rate of CCB's "fast e-loan" loan is 7.2%, and the minimum annual interest rate of "financing e-loan" loan is 6.72% and "quality" is 6%.

The interest calculation formula of CCB's fast loan is: interest = loan amount 1 year.

CCB repeatedly uses fast loans for credit reporting;

Repeated issuance of CCB fast loans will be recorded in the credit report. Because CCB itself is a state-owned commercial bank and is connected to the central bank's credit information system, as a loan product under CCB, the relevant loan repayment records will naturally be recorded in the customer's personal credit information report in detail.

When a customer applies for a quick loan from CCB, CCB needs to check the customer's credit status, so whether the final quick loan is approved or not, CCB's inquiry record in the name of "loan approval" will remain in the credit report of the customer who applied for a quick loan.

In addition, if the customer is overdue when repaying the fast loan, the overdue situation will also be reported to the central bank by CCB, leaving overdue bad credit records in the customer's personal credit report. Moreover, this record is generally kept for at least five years after the customer pays off the debt before it can be deleted by the system.

Of course, the fast loan itself can be recycled. After the customer settles the account, the amount is usually recovered in real time. Therefore, as long as customers make good use of it and repay it on time, the relevant loan repayment records will not have any adverse impact on credit information.