The approval time of CCB's installment is divided into two situations, one is credit card customers, and the other is that mortgage customers don't have credit cards. The approval time for credit card customers will be relatively short, and the approval result will be given in about 15 days. Mortgage customers without credit cards will take a long time to approve, and in most cases it will take about 20 days to complete the approval.

The maximum credit line by installment is 300,000 yuan, which can be divided into 60 installments for 5 years at the longest, and the handling fee for each installment is 0.5%. However, after accurate calculation, the actual monthly interest rate actually reached 0.99%, and the annualized rate was 1 1.9%. Expenses payable in each installment = actual installment amount x monthly rate. Repay with equal principal and interest. The less principal you pay, the same handling fee for each installment. By the 60th installment, there is still so much interest to be paid, so many people think it is not cost-effective. But the only advantage is that you can repay in advance without penalty interest. This is the most cost-effective way and the only highlight that attracts thousands of users.

After the quota appears, you can directly click Apply or go to the counter to apply. After the application is completed, it needs to be reviewed. Users with good qualifications, low debts and good credit information can directly approve in seconds, and some may pay a return visit. The return visit will ask you the purpose of your application, and you should make a special note of this application to avoid failure. When applying, it is recommended not to apply for the full amount. You'd better keep a part of it, so that the chances of successful application are higher. After the approval, there will be a SMS notification, which will be used within 180 days after the quota becomes effective, and the expired bank will recover the quota. Generally, a special installment card will be sent to you after passing. This card is a credit card. It used to be a savings card. If you apply for a mobile phone, just click it when necessary. If you apply at the counter, you can use it directly.

Because it is a credit card, it should be swiped out with a POS machine. At present, ordinary machines can swipe their cards. The basic rate is generally above 0.6, and some people can brush it out without being a designated merchant. The funds brushed out cannot be used to repay credit cards immediately, or to invest in wealth management and enter the stock market and property market. If you really want to do this, I suggest you pour more hands, which will be safer. Otherwise, if the bank finds out, you still have to return all the funds at one time. Some people will vomit, CCB eats a little salty, not only earning fees by swiping the card, but also earning installment fees. And still waiting to pay the interest, the oil and water on the user have been squeezed dry. CCB changed from a savings card to a credit card. It's all about making more money for customers. Therefore, unless absolutely necessary, it is recommended not to use this kind of consumer loan easily.

What's the fastest time to review by stages?

Generally, the fastest review time by stages is about 1 to 3 working days, while the latest review time by stages will not exceed 7 working days. If an individual has handled a variety of businesses in CCB before and has no overdue records, he can generally pass the audit quickly. After the approval, you will be notified by SMS immediately. However, it is said that it is easier for CCB to pass the pre-approval quota in stages, so you can check your own quota first when applying. Inquiry method: Pay attention to the official account of CCB WeChat, enter "pre-approval quota" in the dialogue, and relevant information will pop up.

How long will it take to complete the audit by stages?

After the installment plan is approved within 2-3 working days, CCB will send the installment plan card to the applicant by express mail and send a short message to remind the applicant. After receiving the SMS reminder, you will receive the card in about 5 working days.

Installment pass is a credit card cash installment product of CCB, which belongs to the nature of credit card, but is essentially a loan product.

After approval by stages, a physical credit card with a maximum amount of 300,000 yuan is obtained, with an annualized interest rate of 4% and a validity period of 3 months. Each use of automatic staging can be divided into 60 periods (5 years). For example, if you approve 200,000 installments and you use 6,543,800+RMB, the 6,543,800+RMB will be automatically divided into 60 installments for repayment. After 3 months, the remaining 654.38+10,000 yuan is useless, so this part of the quota will be invalid and can no longer be used.

Therefore, the usual method of use is to directly use the amount of 200,000, which is equivalent to having 200,000 loan funds, with low interest and low monthly supply.

Low monthly payment is the advantage of installment payment. There are also two advantages and 1 points for attention.

Advantages:

First, you can check the credit limit in advance, and you can directly check whether you have a credit limit in installments. If you do, you will apply again. If not, don't apply. This won't happen. Go and apply for a credit record, and there is no limit in the end.

Second, it is reflected in credit cards, not loans.

note:

Because the installment repayment method is equal principal and interest, the interest paid every month is equal, not decreasing. Although it seems that the overall interest rate is very low, starting from 4% per year, its interest rate is gradually increasing when it is used later. From the fourth year of repayment, the annualized interest rate will reach more than 10%. So if it is divided into five years, it will be more economical to pay it off in 2-3 years.

CCB's installment business is mainly aimed at customers with good credit records, stable professional income and normal consumption behavior. Banks grant them a special pre-credit line in advance, and at least three types of high-quality customers can handle it: CCB mortgage customers; CCB credit card holders have good credit information and good credit card usage; Provident fund customers. In addition, if your assets in CCB are stable, you also have the opportunity to become a special experience customer of installment business and successfully obtain installment quota.

How many days can CCB pass the installment application?

The audit time of CCB by stages is about 15 to 20 days. Users can log in to mobile banking and check the progress of installment application through the "Credit Card-Staging" menu. After the approval, CCB will mail the installment card to the user by courier, and send a SMS reminder to the user after the card is sent. After receiving the SMS reminder, the card letter will be received about 5 working days.

How to handle the installment of CCB? There are the following steps:

1. Commercial transaction

If you want to apply for the installment of CCB, try to establish business contact with CCB. The more intersection with CCB, the easier it is to apply for CCB staging, and the higher the amount given by the bank.

2. SMS invitation

CCB adopts the installment pre-credit system, and qualified high-quality customer banks will invite them by SMS.

independent processing

If the applicant wants to apply for the installment of CCB, he can go to the bank outlets to inquire. Under normal circumstances, as long as the applicant meets the requirements, CCB's credit card is in good condition, there is no bad credit record, and money is urgently needed, CCB can be asked to help him check the installment quota of CCB.

Apply for installment payment

The installment of CCB is essentially a large consumption installment, so it is easier to apply for installment of CCB than ordinary loans. The applicant holds valid identity documents to fill in the Application Form for Staging Business of China Construction Bank, and fill in personal information and the amount and number of stages applied for.

5. Telephone credit survey

After the application form is filled out, the bank will have an audit process. Generally, it will contact the applicant through the mobile phone number reserved by the applicant, mainly to ask whether it is my operation, whether there is any error in the application amount and number of periods, etc.

6. Wait for the audit results

Under normal circumstances, there will be SMS notification within one week. If the SMS notification is approved, it means that the loan can be approved soon.

7. Handle the special card for CCB consumption.

CCB can go to the bank to apply for a CCB special consumption card after the quota is paid by installments. CCB will use pos machines to spend all the credits, from credit cards to consumer cards, and then it can use CCB's special consumer cards for consumption.

China Construction Bank (CCB) has been vigorously developing credit card business, and launched the installment service of CCB. The installment service of CCB is a special consumption loan for credit cards. The interest rate of CCB installment service is similar to that of CCB credit card installment service, and there are 20% discount activities. The installment quota of CCB can be as high as 6.5438+0.5 million yuan, with 36 installments. Compared with CCB credit card, CCB staging is more practical.

The installment service of CCB is mainly aimed at CCB's high-quality customers, including CCB mortgage customers, CCB payroll customers and CCB wealth management deposit customers.