CCB's personal "Express Loan Pass" (formerly Express E Loan) loan application conditions are:

1. The age is between 22 and 60 (inclusive);

2. Good credit status;

3 Chinese mainland residents (excluding Hong Kong, Macao and Taiwan);

4. Holding personal financial assets such as CCB deposits and wealth management products, or having outstanding CCB personal housing loans.

(In case of business changes, please refer to the actual situation. )

Can a white household get a loan? Is it good for pure white households to borrow money?

First, what is a white household? What's the difference with pure white households?

A white household refers to a person who has an application record but failed to apply for a card in the end for more than half a year.

Pure white households refer to people who have not applied for credit cards and loans and have blank personal credit.

Pure white households and white households refer to customer groups without bank credit records. When handling loans, such people will inevitably be trapped. The reason is that in order to control risks, some banks only target at people with good credit records.

It should be reminded that the credit record refers to the description of the credit of the economic subject expressed by a credit rating agency with certain symbols or words based on the information from a certain channel or social parties that can judge the credit status of the economic subject and after evaluation according to certain standards and indicators.

Personal credit score is a mathematical model specially designed by credit service intermediaries. According to the contents recorded in the personal credit report, the personal credit ability is evaluated and calculated, and a person's risk score is given. The higher the personal credit score, the higher the personal credit.

Second, can white households get loans?

We all know that it is difficult for loan users to apply for loans. In fact, it is also very difficult for white households to apply for loans. Because Bai Hu's personal credit record is blank, lending institutions cannot confirm the applicant's loan qualification, let alone predict his repayment ability, which increases the lending risk of lending institutions. In the case of strict bank risk control, such applicants are easily rejected.

However, white families can try to apply for a credit card first Applying for a credit card requires a stable job, and pure white households can also apply. You can continue to use your credit card for more than half a year, and repay it in full and on time before the due repayment date, keeping a good repayment record and a good personal credit record, and then it will be easier to apply for a loan. There are also some loan products that do not need to look at the borrower's credit information, so white households can also borrow money.

3. What are the conditions for a white household loan?

1. A natural person who has reached the age of 18 and has full capacity for civil conduct;

2. Have a local permanent residence or long-term residence certificate and a fixed residence;

3. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

4. Have a good personal credit record.

Fourth, how do white households get loans? Is there any way to get a loan?

1. Find the matching mechanism.

Faced with this credit gap, different institutions have made two completely different reactions. For example, conservative banks such as Ping An and Huaxia chose to stay away, while open banks such as Citigroup and Standard Chartered chose to be bold and enterprising, creating a glimmer of hope for white households. Therefore, it is very important to choose a good institution. Not all organizations unite to "ban" white families.

2. Credit card escort

"Small size, great power" is simply tailor-made for credit cards. I have to say that credit cards have indeed broadened the loan channels of some people, and even the loan success rate. For many loan products, as long as you have a credit card with a credit limit of more than 6.5438+0 million yuan and a good repayment record, the road to applying for a loan will be successfully completed.

Apply for a mortgage loan

The high-profile appearance of collateral is enough to make up for your credit gap and completely dispel the concerns of lending institutions. Generally speaking, houses and cars placed in front of lending institutions can activate wealth and help you get a loan amount of about 70% of the estimated value. However, it is worth noting that mortgage loans are synonymous with large loans, generally starting from 200 thousand yuan; Vehicle mortgage loan has become the exclusive spokesperson of non-governmental organizations. Because of the risk of vehicle depreciation, most banks with low-interest loans chose to voluntarily withdraw from the war.

5. What is the loan process for white households?

1. Define the purpose of the loan and choose the loan type that suits you;

2. Choose a bank and learn about the loan policies, requirements and expected annualized interest rates of each bank;

3. After selecting a bank, prepare various loan materials according to the requirements of the account manager;

4. During the handling period, keep in touch with the account manager at any time to understand the handling situation and cooperate to solve the problem;

5. Sign the loan contract and complete the loan procedures;

6. After the loan is issued and used successfully, it will be repaid in time as agreed.

6. What is the loan platform of Baijia Loan?

Jingyingdai

The application conditions for the mobile loan platform under Zhongyuan Consumer Finance are very simple, only 18-55 years old, with good personal credit and strict requirements for credit reporting, which is suitable for office workers to apply.

Raise money for consumption

The application process is very simple. You only need to log in to Zhongyuan Consumer Finance App-withdraw money-and fill in the information authentication application according to the process. Support early repayment, only charge interest until the repayment date, or repay in installments to reduce the repayment pressure.

China construction bank kuaiyidai

Fast e-loan is a pure credit mobile phone loan, which is a full-process self-help online loan for CCB individual customers. You can apply directly online, and the amount is about 1 0,000 ~ 300,000 yuan. The loan can be used at any time and repaid at any time within the validity period of the loan.

7. What do you need to pay attention to in white-house loans?

1. Apply for a loan amount according to your own ability, and keep a reasonable proportion between the monthly repayment amount and the family income;

2. According to your repayment ability and future income expectations, choose the repayment method that suits you and make a repayment plan;

3. Provide true and accurate information to the bank, and notify the bank in time when my address, contact information and other information changes;

4. Read the terms of the contract carefully and understand your rights and obligations;

5. Repay on time to avoid bad credit records and economic losses;

6. Keep the loan contract and IOUs. For secured loans, the guarantee registration shall be cancelled in time after the loan is paid off, and the pledge or right certificate shall be retrieved.

Eight. Summary:

In fact, compared with loan users, credit white households still have many advantages, after all, they have not left a stain on their credit records. However, this does not mean that white households are good. As a person with a blank credit record, it is necessary for everyone to prove their good credit to the lending institution if they want to borrow money.

China Construction Bank Express E-loan Application Conditions

Application conditions:

1.25 (inclusive) -60 years old (inclusive);

2. Good credit status;

3 Chinese mainland residents (excluding Hong Kong, Macao and Taiwan);

4. Customers who hold CCB personal financial assets (including deposits and wealth management products) or have outstanding CCB personal housing loans.

Credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy housing reform finance and personal housing mortgage loans.

China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many kinds of credit cards.

The credit cards issued by China Construction Bank are all named "Longka". The types of dragon cards that have been publicly issued include: Dragon Card School Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (Masters Cup) Tennis Card.

CCB Silver Star International Express Remittance Service is a personal international express remittance service jointly launched by CCB and Silver Star International Express Remittance Company. It refers to the small-scale international remittance business that CCB accepts the entrustment of customers to remit personal foreign exchange remittances or personal foreign exchange funds abroad through Yinxing Express Company.

China Construction Bank fast loan application conditions

China Construction Bank fast loan application conditions: 1. Users need to have CCB's financial assets (including deposits and wealth management products); 2. Users who have applied in CCB can apply for a mortgage; He is a client of CCB private bank.

CCB's fast loans include fast e-loans, financing e-loans and pledge loans. The credit line of Express E Loan is 1000-50,000 yuan; The credit line of Rong e loan is 50 thousand yuan-5 million yuan; The credit line of the pledged loan is RMB 50,000-654,380+0,000.

1. If the customer wants to apply for quick loan from CCB, the mobile banking signing customer can directly log in to the latest mobile banking client of CCB on his mobile phone, and then find the quick loan menu to apply (there will be an entrance under the inclusive finance column of the loan page). ：

1. Log in to the mobile APP CCB;

2. Click on the quick loan icon;

3. Click Apply Now and enter the application amount, and then wait for the approval of the banking system.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

2. If you are a contracted customer of personal online banking, or a customer who has signed or not signed an e account, you can log in to online banking through a computer browser, find the fast loan on the loan service page, select the fast e loan or pledge loan, and check the option of applying immediately to handle it.

1. Log in to online banking of CCB through computer;

2. Choose "personal loan"-"quick loan"-"I want quick loan";

3. Fill in the application amount and other relevant information according to the system prompt, and confirm that the application on the computer needs to be inserted into the screen silver shield.

Operating environment:

Brand model: Lenovo notebook computer Xiao Xin Air 15 Ruilong Edition

System version: Windows 1 1

3. If corporate online banking applies for quick loan, let the supervisor log in to corporate online banking, find credit financing in the business management section of the service management page, select quick loan for small and micro enterprises, check the enable option to authorize, and after the authorization is successful, let the actual controller log in to his personal online banking/mobile banking, and check the accept authorization option in the quick loan menu for small and micro enterprises to operate.

Express e-loan and pledge loan are all online self-help in the whole process, and customers do not need to go to offline business outlets for face-to-face signing.