Fast credit loan (formerly "fast e-loan") is a full-process online self-help micro-loan product of CCB, which can be repaid with the loan, repaid in installments and paid with interest on use. After successful processing, the loan can be used immediately, and can be paid online, paid by credit card or withdrawn for use. Loan amount: 1 1,000 yuan (inclusive)-200,000 yuan (inclusive). Loan interest rate CCB will implement differentiated pricing according to the specific situation of customers, and the implementation interest rate will be based on the interest rate actually displayed when customers apply. Please refer to the application page for the loan term.
(In case of business changes, please refer to the actual situation. )
What are the application conditions for CCB Express e-loan? At least meet these conditions!
The fast loan of China Construction Bank is a collective credit product, which is divided into different loan types. Among them, fast e-loan is a pure credit mobile phone loan, which can be applied online, but many users report that it cannot pass. What are the application conditions of China Construction Bank's fast e-loan? Let's get to know each other.
I. Application Conditions of CCB Express E-loan
1, age meets the requirements, can't be a student party, over 22 years old, preferably a white-collar worker who has worked for several years and has a stable income.
2. Good credit record. It is suggested that newly graduated students apply for a credit card to quickly accumulate excellent credit records, which is helpful for applying for fast e-loan.
3. To apply for qualification, you must have a CCB debit card or credit card. It is best to hold investment and wealth management, deposits and funds of CCB. , as well as CCB or other bank mortgages.
2. What are the reasons for the failure of CCB's fast e-loan application?
1. Inconsistent credit information.
There may not be overdue records, but it may be that the debt ratio is too high and the number of inquiries is too high, which may also lead to the rejection of the application.
2. System audit
Since the fast e-loan is a pure machine audit, once it matches the age, income, wealth management and mortgage, it will be rejected immediately.
3. Policy reasons
20 19 bank policy is very tight. It is possible that when you apply, you will encounter the policy of tightening the quota, which will lead to the failure of the loan review. You can try again later.
In short, according to the above application conditions, you can use more CCB-related products, and it is easier to obtain fast e-loan lines.
What are the application conditions for CCB Express e-loan? Just satisfy these!
Jianxin Express Easy Loan is one of the most popular mobile phone credit loans, and many people apply for it every day. For people in urgent need of money, the advantages of bank loans are simple application, fast payment, low interest and safety. So today I will introduce the application conditions of CCB Express e-loan, hoping to help you.
I. Application Conditions of CCB Express E-loan
1. The age of the lender needs to be before 18-50 years old, and the age of the user at the time of loan+the loan period shall not exceed 65 years old;
2. Users need to have a stable economic income recognized by the bank and have sufficient repayment ability;
3. Users need to have good credit status. If the loan applicant has experienced serious loans overdue or overdue credit card before, he will definitely not be able to apply for a loan from CCB;
4. When the user makes a loan, the monthly repayment amount shall not be higher than 50% of the family income;
5. If the user is a mortgage loan, then you need to provide collateral approved by the bank.
II. Calculation formula of interest on CCB Express Easy Loan
One-time repayment of principal and interest: (loan principal * loan interest rate) /365* loan days;
Interest before principal: (loan principal * loan interest rate)/12* loan periods;
Monthly repayment amount of equal principal and interest: (principal× monthly loan interest rate× (1+monthly loan interest rate) total repayment period) /( 1+ monthly loan interest rate) total repayment period-1;
Average monthly repayment amount of funds: principal/times of repayment of principal and interest+(loan principal-accumulated repayment amount) × monthly loan interest rate.
You can use the above formula to calculate interest according to your own interest rate and repayment method.