Account cloud loan is based on the behavior of small and micro enterprises and their main accounts, and gives a certain amount of credit loans to small non-lending households who handle settlement products in CCB. Many small and micro enterprises want to apply for cloud loans from CCB accounts to solve the funding problem. What are the conditions for cloud loan in CCB account?

What are the conditions for cloud loan of CCB account?

1 enterprise establishment 1 year or more, with a unified social credit code;

2 The borrower is the business owner 18 years old and under 60 years old;

3. The personal credit of the business owner is good, and there is no bad credit record and serious negative information;

4. The enterprise has a legal person account in China Construction Bank, and pays more than 5 transactions in 1 year;

An enterprise may not borrow from two or more banks at the same time;

The total credit balance of business owners and enterprises in other banks shall not exceed 5 million.

CCB's account cloud loan is suitable for small and micro enterprises, individual industrial and commercial households and sole proprietorship enterprises. Opening an account in CCB (general deposit account or basic deposit account), signing an authorized tax payment agreement, paying wages, corporate settlement card, corporate credit card and wealth management card, each business can accumulate the corresponding amount, and the longest validity period of the amount is 1 year.