Under normal circumstances, after the lender applies for a credit loan in CCB, CCB will get the result within 3-5 working days. If the loan application is approved, it will take about 1-3 working days to complete the loan. If the lender operates on the mobile APP and has a system audit, it is very likely that the loan will be completed on the same day.
If you want to apply for a five-year credit loan from CCB, you need the lender to have a good personal credit record and no bad overdue records. You need a job with a stable income, a legitimate and stable income. If you are a state-owned enterprise and the lender is a civil servant, the possibility of applying for approval will increase a lot. You also need to have certain business dealings with CCB. For example, the salary card belongs to CCB and you buy large wealth management products at CCB. After all, banks also need to assess the risks of users. If they have frequent business dealings before, it will be easier to help banks confirm the credibility of users.