As one of the four state-owned banks, China Construction Bank has always been far ahead in deposit and loan business. So, what loans does CCB have? What kinds are there? It is reported that CCB currently has six major loan products: credit loan, good financial loan, venture loan, tax easy loan, POS loan and settlement. These six products have different characteristics for different application objects.
Pos loan
Applicable object: CCB pos acquiring merchants, operating norms, good credit information of enterprises and shareholders, and operating period of more than two years.
Loan amount: the maximum loan amount for a single household is 2 million yuan, and the maximum period of revolving loan amount is one year, which can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: unsecured credit loans can be applied at any time within a limited time, with low processing threshold and short processing time.
clearing house
Applicable objects: small and micro enterprises with stable settlement and certain capital precipitation, and small non-loan households of China Construction Bank.
Loan amount: the maximum loan amount for a single household is 500,000 yuan, and the revolving credit amount is valid for one year at the longest, which can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: credit mode, automatic trigger and diverse channels.
unsecured/fiduciary loan
Applicable objects: CCB's high-end customers, high-quality small and micro enterprises, key government support and potential small and micro enterprises.
Loan amount: the maximum loan amount for a single household is 5 million yuan, and the revolving credit amount is valid for up to one year and can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: no need for any guarantee measures, convenient application, simple procedures and fast loan.
Shanrongdai
Applicable objects: small and micro enterprises with stable settlement and certain capital precipitation, and small non-loan households of China Construction Bank.
Loan amount: the maximum loan amount for a single household is 2 million yuan, and the revolving credit amount is valid for up to one year and can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: China Construction Bank settlement account, pure credit, quick approval, easy handling and recycling.
Risk loan
Applicable object: small and micro enterprises with industry, performance and credibility; Small and micro enterprises with good operating conditions and no other operating loans.
Loan amount: the maximum loan for a single household is 800,000 yuan, which does not exceed 20% of the sales revenue in the previous 12 months.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production and business activities of enterprises.
Product features: pure credit loan without collateral, fast loan approval.
Tax-free loan
Applicable object: small and micro enterprises that pay taxes in full and on time, are in good operating condition and have a good record of tax grade.
Loan amount: the maximum loan amount for a single household is 2 million, and the revolving loan amount is valid for up to one year and can be recycled.
Loan term: the loan term shall not exceed 12 months.
Loan purpose: only used for short-term production activities of enterprises.
Product features: high quota, pure credit, quick approval, easy handling and flexible distribution.
What products does CCB loan have? Detailed introduction of loan products
I believe many users of CCB know that there are many loan products of CCB, and they can all operate online by themselves. The loan amount, loan period and product characteristics are all different, so what are the differences between these loan products? Let me introduce you. Summary of all loan products of CCB
First, financing e-loan
Loan amount: 50,000-5 million yuan.
Loan term: up to 5 years, which can be recycled.
Product features: Rong e loan is a loan product with large consumption. You can submit relevant information online and sign the contract in person. The loan amount can be up to 5 million yuan, which can meet all your consumption needs; You can choose to spend online or in a physical store. If you submit relevant information, you can even transfer money.
Second, fast e-loan
Loan amount: 1 1,000-300,000 yuan
Loan term: maximum 1 year, which can be recycled.
Product features: fast e-loan can be operated online by itself. It's a small credit loan without any mortgage. You can only get a loan through personal credit. You can choose online consumption or physical store consumption, or you can choose to withdraw cash. Is there a wide range of consumption patterns?
Third, pledge loans.
Loan amount: 50-3 million yuan.
Loan term: maximum 1 year, which can be recycled.
Pledgeable financial assets: time deposits, certificates of deposit, national debt and wealth management products.
Product features: Pledged loans can be operated online by themselves. There are many kinds of pledges and the amount is high, which can be withdrawn. Is it convenient and flexible?
Fourth, the car e loan
Loan amount: 1, 000-500,000 yuan.
Loan term: up to 3 years.
Product features: online loan to choose a car, physical store credit card to pick up the car; After the loan application is successful, you can choose your favorite car online, click the "Reservation" button, and make an appointment with the car dealer to make a loan and pick up the car. The cooperative automobile brands are: Dongfeng Peugeot, Mao Yi Auto Network and so on.
How about a good financing loan from CCB? One of the bank corporate loans!
This year, many small and medium-sized enterprises have encountered financing difficulties. CCB has a product called Shanrong Loan. The maximum loan amount of this product is 2 million yuan, which can be recycled within the validity period of the loan amount, with a term of one year, and is suitable for small and medium-sized enterprises to apply.
1. The applicant shall meet the following application conditions:
Before 12 months, the cumulative number of debits and credits in the company settlement account was greater than100;
Opening a unit settlement account in a bank for more than two years;
The accumulated credit settlement amount before the enterprise settlement account 12 months is more than 2 million yuan or the average daily deposit in the previous 12 months is more than 30,000 yuan.
Second, the calculation method of the loan amount is as follows
Single-family loan amount = daily average financial assets × conversion coefficient × monthly settlement × conversion coefficient
If the loan amount is less than or equal to 500,000 yuan, the loan amount cannot exceed 3 times of the daily average financial assets.
After calculation, if the loan amount is more than 6,543,800 yuan, the personal credit of the business owner should be considered when approving, including the legal person personal loan amount, credit card overdraft amount and installment amount.
Third, the application materials
To apply for a good financing loan from CCB, you need to submit information from two aspects, not only the business owner needs to provide information, but also the enterprise information.
1, enterprise information
Small and micro enterprises "good financing and good loans" business application form;
Business license, organization code certificate and loan card of enterprises (including individual industrial and commercial households) that have passed the annual inspection;
Tax registration certificate;
Biennial and first financial statements (if any);
Articles of association or partnership agreement (if any);
VAT (business tax) payment voucher (if any).
2. Enterprise owner information
ID card and household registration book;
Marriage certificate, marriage certificate, and spouse ID card if married;
If the business owner is not registered locally, it is necessary to provide local property certificate (either husband or wife can).
What are the corporate loans of CCB? Look at these three models!
In 2020, many small and medium-sized enterprises will face operational difficulties and lack of funds. Many banks have corporate loans, and the state has also introduced various preferential policies. China Construction Bank is a large state-owned bank, and it has several good corporate loans, so you can learn about it.
I. Hexing Loan
This product is suitable for upstream suppliers, downstream distributors or agents of powerful large enterprise groups.
Guarantee mode: mortgage, pledge, guarantee and credit.
Loan amount: the loan amount for a single household shall not exceed 5 million yuan.
Loan term: no more than three years; If the core enterprise provides a third-party joint liability guarantee, the maximum term of the loan amount shall not exceed one year.
Loan interest rate: it is subject to the loan interest rate regulations of China Construction Bank.
Repayment methods: including equal principal and interest repayment method, average capital repayment method, one-off principal and interest repayment method at maturity, monthly installment principal and interest repayment method, etc.
Second, wealth loans.
It is suitable for private banking customers of China Construction Bank and can meet the daily production and operation of borrowers and their business entities.
Guarantee mode: mortgage, pledge, guarantee and credit.
Loan amount: the loan amount of a single household shall not exceed RMB 6,543,800+million.
Loan term: no more than three years.
Loan interest rate: it is subject to the loan interest rate regulations of China Construction Bank.
Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment at maturity, and any scheduled principal and interest repayment.
Third, do a good job in personal business loans.
As long as they are over 18 years old and not over 60 years old, and they are investors of sole proprietorship enterprises, partners of individual partnerships, and individual industrial and commercial households engaged in legal production and operation, they can apply.
Loan term: the longest non-revolving loan shall not exceed 3 years;
The longest term of revolving credit line is 10 year, and the single term shall not exceed 1 year.
Loan amount: the loan amount of a single household shall not exceed RMB 6,543,800+million.
Loan purpose: used to meet the financing needs in operation.
Guarantee mode: mortgage, pledge, guarantee and credit.
Repayment methods: including equal principal and interest repayment method, average capital repayment method, one-off principal and interest repayment method at maturity, monthly installment principal and interest repayment method, etc.
What kind of loan is the annual interest rate of 4.35 for CCB public officials?
The loan with an annual interest rate of 4.35 for CCB public officials is called CCB fast loan, and the "fast loan" for provident fund customers is one of CCB fast loan products.
The loan is valid for one year, which can be recycled and repaid at will. After the quota application, it will not cost or interest. At the same time, interest will be calculated on a daily basis. At present, the annual interest rate of CCB's fast loan is as low as 4.35%, which minimizes the cost of customers' funds and can be handled by itself anytime and anywhere. The whole process is completed online, and loans are collected in various ways. Effectively solve the difficulties of customers' capital needs, make finance more temperate, and comprehensively help the recovery of social consumption.
Compared with the credit loans of other banks and financial institutions, the annual interest rate of E-loan of China Bank is as low as 4.65%, and the annual interest rate of mainstream Internet credit products such as JD.COM gold bars and loan treasures is about 18.25%, so the fast loan interest rate of CCB of 4.35 is not high.