I took my ID card to the counter.
When a user applies for quick loan from CCB, the page displays "There is no associated account under your name that meets the requirements for quick loan", which means that there is no CCB debit card under this user name, and the user only needs to open a CCB account. Users who already have a primary account can check whether the debit card has not signed online banking. If there is no online banking, they can go to the lobby manager for business.
1. The conditions required for handling CCB's fast loan include:
1, a natural person aged 20-55, with full capacity for civil conduct;
2. Have a local permanent residence or long-term residence certificate and a fixed residence;
3. It has a stable and legal source of income and the ability to repay the principal and interest of the loan on schedule, and the annual income of the borrower's family is more than 20,000 yuan;
4. (1) BBB grade assessed or recognized by the bank, with a credit rating of 3 or above;
5. It has a good reputation in the personal credit information system of the central bank and has no bad credit record.
2. CCB fast loan application method:
1. Application method for mobile banking. (CCB Apple 12 ios 14 CCB Mobile Banking 5.0)
(1) Log in to mobile banking first.
(2) Find "Quick Loan" on the main page and click the "Quick Loan" icon.
(3) Enter and click "Apply".
(4) After input, enter the amount to be applied, agree on the loan term and check the agreement.
(5) Enter the SMS receiving verification code to confirm, and click "Agree and Apply".
2. Online banking application method. (browser computer: macbookpro mos 14 open Google version 92.0.4515.131).
(1) First log in to online banking of CCB and select "Personal Loan".
(2) Select "fast e-loan" in "I want fast loan" and click "Apply now".
(3) Fill in the application amount and click "Submit for Approval".
(4) Confirm the application information and insert the verification password of the screen silver shield.
(5) The application can be successful after the verification is completed.
: Introduction of China Construction Bank
China Construction Bank is the abbreviation of China Construction Bank, and China Construction Bank, formerly known as China People's Construction Bank, is a large state-owned bank managed by the central government. According to the requirements of the national investment and financing system reform, China Construction Bank handed over its financial functions and policy capital construction loan business to the Ministry of Finance and China Development Bank respectively, realizing the transformation from its functions to the modern commercial bank model. At the same time, after years of reform and development, China Construction Bank has the strength to participate in domestic and international market competition. Like other banks, China Construction Bank has diversified business, including credit loans, residents' savings deposits, foreign exchange business and credit card business.
There is no associated account number under the name of Jianxin Express Loan.
When a user applies for quick loan from CCB, the page displays "There is no associated account under your name that meets the requirements for quick loan", which means that there is no CCB debit card under this user name. Users can open a first-level account of CCB. Users who already have a certain type of account can check whether the debit card is not signed for online banking. If you haven't registered online banking, please ask the lobby manager to handle it for you.
In short, after the above tips appear, users need to go to CCB outlets to solve the problem. Those who do not meet the requirements for quick loan application cannot apply for quick loan.
First, the loan application conditions:
1.25 (inclusive) -60 (inclusive);
2. Good credit status;
3 Chinese mainland residents (excluding Hong Kong, Macao and Taiwan);
4. Customers who hold personal financial assets (including deposits and financial products) of China Construction Bank or have outstanding personal housing loans of China Construction Bank.
Loan amount: 1000 yuan (inclusive)-50,000 yuan (inclusive)
Loan term: the longest 12 months.
Loan interest rate (year): 7.2%
Second, the handling process:
1, full online processing;
2. Online application-obtaining approval results in real time-online signing-loan consumption payment-loan repayment.
After signing the express loan, the savings card bound by the express loan will give priority to repayment, such as you.
If you haven't used the loan for the time being, you can use the card in the "Quick Loan-I-Consumer Order Maintenance" of mobile banking.
You can choose "loan first, deposit first, loan only, deposit only" for sequential maintenance.
One of the four methods.
Due to the variety of fast loan products, online application generally refers to fast e-loan. If you meet one or more of the following conditions, you will have a chance to apply successfully. Open the China Mobile Construction Bank directly and check the fast e-loan amount.
Three, 2065438+2009 China Construction Bank fast loan matters needing attention
1, pay attention to credit. CCB's fast loans have strict requirements for credit reporting. If the applicant's credit investigation is poor and his personal debt is high, he may be rejected.
2. Check the application materials before submitting, because all kinds of materials need to be filled in to apply for CCB express loan. If the materials are untrue and inaccurate, they may also be rejected.
3. The debt level should not be too high. The applicant, CCB, will soon be inquired about the recent loan application records. If it is found that there are too many credit cards or loans in the applicant's name, the applicant will be positioned as a high-risk group. In order to avoid risks, banks will refuse to lend.
China Construction Bank's fast loan shows the estimated amount, but my application prompts that there is no operational account. What should I do?
Explain that the conditions for loan application have not been met.
The lender does not meet the requirements of fast loan, so it is impossible to apply for a loan. Construction Bank loans generally meet the following conditions:
(1) legal status.
(2) It has stable economic income, good reputation and the ability to repay the principal and interest of the loan.
(3) Effective documents such as purchase, overhaul and building contracts and agreements required by the lending bank.
(4) The assets confirmed by the loan bank are mortgaged or pledged, or (and) legal persons, other economic organizations or natural persons have sufficient compensation.
(5) Other conditions of the lending bank.
Extended data
1. During the examination and approval process, personal credit was found to be tainted. Generally speaking, loans overdue records and overdue credit card records will be kept in credit records for 5 years. Therefore, the credit stain within five years may lead to the rejection of CCB's fast loan with a quota.
2. When doing business in the bank, we found that everyone had abnormal behaviors such as information fraud and fraudulent use. Before the bank knows the truth, it will not easily provide loans to borrowers.
3. The borrower recently had a debt dispute and was included in the list of untrustworthy people by the court. In this case, CCB's fast loan will not be granted to everyone.
4. CCB's fast loan has tightened lending efforts. If everyone's comprehensive credit level is not very high, then they may be rejected.
China construction bank-quick loan
What does it mean that CCB's fast loan does not meet the requirements?
It is very likely that the applicant does not meet the following requirements for fast loan processing: the credit card in the personal name is overdue, tx.
Bad credit record; 2 people have loans overdue records; There are more than five credit card issuers under personal names, and the debt ratio is high: VIP who does not belong to CCB mortgage and car loan financing pays wages on behalf of customers; Individual CCB accounts are abnormal, such as freezing, stopping payment, bad debts, write-off, etc.
1. There is no way to solve this situation in a short time, and you can only apply after a while. If you apply continuously, the probability of being rejected at this time will be greater. After the personal qualifications have changed greatly and meet the conditions for applying for fast loans, the success rate of re-applying will be higher. Users can only submit applications if they meet the loan conditions.
Second, in today's society, applying for a loan is a very common thing. Many friends may borrow money from relatives and friends to save face when they are in urgent need of capital turnover. At this time, applying for a loan is undoubtedly the best choice. When banks choose a loan platform, I believe most people will choose it. Among the existing banks, CCB's loan business is very popular.
Three, CCB fast loan application conditions
1. is a CCB customer. It is best to have a customer in CCB to handle deposit financing, mortgage, car loan, or pay wages on behalf of CCB.
2. If you want to apply for a quick loan from CCB, you'd better be under 65, so the pass rate will be higher.
3. Applicants are required to have good personal credit, no record of non-performing loans and no record of non-performing customers in CCB.
4. If you are a user who applies for pledge loan in CCB Express Loan, you also need to provide collateral recognized by CCB, including time deposits, wealth management products, government bonds and certificates of deposit.
5. If it is a user who handles the fast loan of China Construction Bank, the applicant is required to be a Unicom personal agent registered and certified on the "Woyigou" platform.
6. If you are a user who applies for a quick loan from CCB, you must go to a business that cooperates with CCB to buy a car.
4. If you meet the above application conditions, you can log in to the mobile banking directly, then click the fast loan application and enter the application amount and SMS verification code. You can also apply for quick loans through online banking. The specific steps are: log in to online banking, choose personal loan, choose I want fast loan, choose fast e loan, and then click Apply Now, fill in the application amount, submit it for approval, then confirm the application information and insert it into the online banking shield to check the secret.