1, good credit. When a borrower applies for a loan at CCB, it is bound to be queried for personal credit. If you find that you have a bad credit record in the credit report at this time, the possibility of obtaining a loan is generally small. As we all know, in this industry, the borrower's credit is particularly valued, especially the credit loan business, which requires higher credit information. Therefore, if you want to apply for a credit loan from CCB, you must maintain a good credit.

2. Mortgage customers. If you have mortgage business in CCB, it will be of great help to your loan application rate. Because from this aspect, banks can see your contribution value and know your personal basic situation very well, so it is naturally easier to approve loans.

3. Stable income. If your work unit is a large state-owned enterprise or institution, then the income is naturally relatively stable, which is also conducive to your application for credit loans, because a stable job means that you have a certain repayment ability, and banks don't have to worry about your overdue payment.

4. CCB business. Don't underestimate this business. Banks like regular customers very much, and there are often many welfare channels for regular customers. Therefore, if the borrower wants to increase the loan probability, he can handle more CCB business, such as deposits, and buy some wealth management products in peacetime, which will not only increase your loan application probability, but also help you increase the quota.

Well, these are the four loan application conditions summarized by Bian Xiao that are beneficial to the credit loan of CCB. I hope I can help you! However, to be on the safe side, before applying for a loan, you'd better consult the bank staff and carefully check the application conditions of the credit loan to avoid being rejected.

2. What are the conditions of CCB's credit loan?

CCB credit loan conditions: 1, the borrower is 20 to 55 years old and has a local long-term residence certificate; 2. Have a stable income and be able to repay the loan on time; 3. Personal credit information is good; 4. Provide personal half-year income certificate, work certificate and valid identity certificate. 5. Other conditions stipulated by the bank.

When borrowers apply for credit loans in CCB, different users get different credit lines, so they can choose different terms and repayment methods when borrowing. Common repayment methods include average capital and equal principal and interest, which are determined by users according to their own income.

The borrower must repay the loan on time after handling it, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. Moreover, after the deadline, the bank will make a dunning. If it is not paid back for a long time, then the bank will borrow the money and must return it after the subsequent judgment.

It is worth mentioning that the repayment of CCB Credit loans overdue will be uploaded to the Credit Information Center, which will lead to the deterioration of personal credit information and affect the subsequent handling of various loans, such as car loans or mortgages. Moreover, after overdue repayment, it will be recorded in the credit report for 5 years, and it will automatically disappear after 5 years.

3. How to handle the wage loan on behalf of CCB?

Processing conditions and required information are as follows:

I. Processing conditions:

1. China citizens with full capacity for civil conduct who have a fixed residence in China, a fixed residence or a valid residence certificate in a local town, or a fixed business place;

2. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;

3. There is no bad credit record, and the purpose of the loan cannot be used for house purchase, stock trading and gambling.

Second, the required information:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate, including the lease contract, real estate license and water, electricity and gas invoices for the last three months)

5. Income certificate issued by the lender's work unit.

6. Social security card (available);

7. Provident fund card (available)!

Four, CCB credit loan processing conditions

Conditions for applying for loan business:

Natural persons aged between 18 and 65;

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.