Extended data:
Matters needing attention
1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.
Processing channel flow
1. Handling channel: Personal loan business is handled through branches of China Construction Bank. In some large and medium-sized cities, the auto finance service center set up by China Construction Bank specializes in personal loan business, and the personal loan center is also a professional loan accepting institution.
2. Processing flow:
① Acceptance. The handling personnel introduce the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default treatment and various expenses that the borrower needs to bear to the customer, and conduct a preliminary examination of the loan conditions, qualifications and application materials of the borrower.
② Investigation. According to the relevant regulations, investigators take reasonable measures to investigate the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness. 3 recognition. Authorize the approver to finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, mortgage, pledge and guarantee. 4 distribution. After the loan conditions are implemented. According to the demand for funds, customers can apply to the bank for withdrawal quota at any time. ⑤ Post-loan management. The loan bank shall, in accordance with the relevant provisions of loan management, supervise and inspect the income status, loan purposes, changes in collateral value and performance status of borrowers and guarantors, and the inspection results shall be recorded in writing and filed. Supervise the guarantee or credit of the guarantor or borrower, and ask the borrower and guarantor to provide help. ⑥ Loan recovery. According to the repayment plan and repayment date agreed by the borrower and the borrower in the contract, the loan bank deducts it from the agreed repayment account. The borrower can also repay the loan at the business outlets of the loan bank.