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2. How about CCB's personal consumption loan? The maximum loan is 2 million!
Personal consumption loan is a common loan product, because its loan has a wide range of uses and various guarantee methods. Therefore, many people will choose consumer loans when they encounter large consumption expenses or family living expenses. Then, what about CCB personal consumption loans of state-owned banks? Let's take a look!
Product Description: Personal consumption loans refer to RMB loans with clear consumption purposes issued by China Construction Bank to eligible individuals, including ordinary loans and line loans. Loan target: China citizens with full civil capacity who have consumer financing needs and are over 18 years old but not over 60 years old. Loan amount: The specific loan amount is determined according to the borrower's credit status and the guarantee provided. Among them, if real estate is used as collateral, the loan amount shall not exceed 70% of the assessed value of collateral; With credit or guarantee as the guarantee, the loan amount is determined according to the credit rating of the borrower or guarantor, and the single-family loan amount does not exceed 2 million yuan. Loan Term: The longest validity period of mortgage loan is 10 year (inclusive), and the longest validity period of credit loan is 2 years (inclusive). Loan interest rate: It shall be subject to the loan interest rate regulations of China People's Bank and China Construction Bank. Guarantee mode: mortgage, third-party guarantee or credit mode. 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. Loan purpose: it can be used for various consumption expenses of individuals and their families (excluding the purchase of houses and commercial houses), such as housing decoration, car purchase, durable consumer goods purchase, tourism, marriage, education and other consumption purposes.
3. What loan business does CCB have?
The loan business of China Construction Bank includes: personal loan business, personal housing loan, personal consumption loan (personal car loan, student loan, personal consumption limit loan, personal housing decoration loan, personal durable consumer goods loan and personal rights and interests), personal business loan and personal credit card overdraft.
4. CCB's personal durable consumer goods loan?
Apply for personal consumption loan! Have a stable job and income, and have a certain repayment ability! Just provide proof of your work and income, proof of repayment ability, etc. You can apply for the loan business of local rural credit cooperatives or local banks, but it is recommended to apply online, because the loan officers of local rural credit cooperatives or banks may be unprofessional, while some professional lending institutions are more professional, which can help you find the most suitable loan scheme, regardless of geographical restrictions, and some do not charge. They know which bank has this product, which bank has the highest loan amount, the lowest loan interest rate and the longest loan term. Will give you the most suitable loan scheme. Very suitable for ordinary individuals who are short of funds.
If you are interested, you can have a look: /QuickLoan/index.jsp? dashi=lisa_bd 1
Maybe it will help you! Anyway, you can't get a loan, and you don't charge! Good luck!