China Construction Bank has always enjoyed a good reputation. People will take China Construction Bank as one of their choices whether they apply for a credit card or apply for a loan business, and there are many types of credit card installment loans from China Construction Bank. Then, what are the credit card installment loans of CCB?
First of all, China Construction Bank will pass in stages.
CCB installment is mainly used for loans to buy large durable consumer goods, weddings, child care, settlement, tax payment, health and so on. It is widely used, covering all aspects of food, clothing, housing and transportation. It has a special credit line with a maximum of 6,543,800 yuan+0.5 million yuan. The handling fee rate is favorable, and the longest installment is 36.
Second, the decoration stage of Longka Credit Card
Longka credit card decoration by stages is mainly used for home decoration and home appliances. The maximum loan amount can reach 654.38+0 million, which can be divided into 48 periods at the longest, with no mortgage guarantee and zero interest rate concessions. For more information, please click here for details.
Third, Longka buys cars by stages
Longka car installment is mainly used for customers to buy private cars. Its exclusive quota can reach up to 500,000 yuan, and the cost is favorable. You can enjoy zero handling fee at most, flexible in stages, and the longest repayment period is 48 months. New card customers can also apply.
Fourth, CCB's fast loan.
CCB Express Loan is a "quick loan", which is a full-process online self-help loan for individual customers of CCB. Customers can complete loans online through electronic channels of CCB, including real-time application, loan approval, contract signing, withdrawal and repayment. Including fast e-loan, financing e-loan, pledge loan, etc.
Among them, the maximum amount of fast e-loan is 300,000, and the longest loan period is 1 year, which can be recycled. E The maximum loan amount is 5 million yuan, and the loan period is 5 years, which can be recycled. The maximum amount of pledged loan is 3 million yuan, and the longest loan period is 1 year, which can be recycled.
The above is the summary of credit card installment loan of CCB. CCB's credit card installment loans are rich in varieties, which can meet the various needs of customers. Friends who want to apply for installment loans in CCB can refer to the above contents and choose according to their own needs.
What are the CCB loans?
What are the CCB loans?
At present, the main loan products of CCB are: credit loan, good financial loan, venture loan, tax easy loan, POS loan and settlement. These six products have different characteristics for different application objects.
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.
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.
I want to ask how to get a credit card loan from China Construction Bank.
1. On the mobile phone desktop, open the CCB app.
2. Open the CCB app and click the place indicated by the arrow in the upper left corner of the page.
3. Next, click Login.
4. After logging in, click the micro quick loan indicated by the arrow.
5. On the subsequent page, select the loan to be processed, and then click Apply.
Can CCB credit cards be used for loans?
CCB can handle credit card loans. Credit card loans can be divided into car purchase installment, cash installment, consumption installment, decoration installment and merchant installment.
The credit card loan methods of CCB include: mobile banking, WeChat banking, personal online banking, ATM, good financial services, smart teller machines at outlets, counters at outlets, and self-service voice.
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
Handling fee: You don't need to pay bank loan interest to buy a car by installment with a credit card, but you have to bear a one-time handling fee. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after installment purchase), and the handling fee rate of each bank is different.
Loan Term: Generally, the longest term of car purchase by installment is 24 months.
Down payment: If you buy a car by credit card, you generally need to pay a down payment of not less than 30% of the car price.
Limit: The bank has regulations on the credit card installment loan amount. For example, CCB stipulates that the installment amount range of car purchase is 200,000-200,000.
Credit card loan to buy a car is a credit card installment business launched by banks. The credit limit that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit installment car purchase, and banks only charge fees, with different installment rates.
Credit card loan has zero interest, preferential handling fee, unsecured and unsecured installment payment. You can also enjoy credit card points feedback, without the burden of high loan interest, and you can also avoid cumbersome mortgage procedures. You can provide some materials to the bank, pay the handling fee in one lump sum and apply for a special credit card. The disadvantage is that the car price is limited, but you can choose most commonly used models.
Shopping mall installment is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into three, six, 12 or 24 installments on average.
Pay back the money on time according to the credit card bill every month. The cardholder chooses to go to the installment merchant store specially designated by the bank and complete the installment payment through the designated POS machine, which is referred to as "shopping mall installment payment".