Construction bank loan requirements
Potential borrower
For China citizens who have reached the age of 18 and have full capacity for civil conduct, the sum of the borrower's age and the loan term shall not exceed 60 years old.
loan limit
The minimum credit line is 6,543,800 yuan, and the maximum credit line is 5 million yuan.
Loan Term The loan term is generally 1 year (inclusive), and the longest validity period of the line shall not exceed 5 years.
loan rate
According to the loan interest rate stipulated by China Construction Bank.
Guarantee mode
The guarantee shall be in the form of mortgage, pledge, guarantee, etc., but the guarantee provided solely by the third party guarantee is not accepted.
Repayment method
If the loan term is less than one year, you can take any interest payment, equal principal and interest repayment, equal principal repayment, one-time principal and interest repayment, etc. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted.
The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.
Personal loan conditions of CCB
Quick loan
I applied for a housing loan in China Construction Bank, and I haven't paid it off yet. CCB has deposits, treasury bonds and wealth management products. The applicant is a private bank customer of China Construction Bank.
Loans to individual housing buyers
China citizens with full capacity for civil conduct, overseas and foreigners with the right of abode; Can provide the guarantee method approved by the Construction Bank; Have a certain repayment ability, and have a down payment for buying a house.
The age of personal car loan is between eighteen years old (inclusive) and sixty years old (inclusive); In terms of car purchase, the minimum down payment for commercial vehicles is 20%, and that for self-use vehicles is 30%; Guarantee measures recognized by CCB shall be provided.
Application materials required for the loan.
Identity card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse.
Proof that the borrower's spouse promised to repay the loan.
Production and business license, if engaged in licensed business, provide the original and photocopy of the business license of the relevant administrative department; The partnership enterprise or corporate enterprise shall also issue the partnership agreement or articles of association, the capital verification report and the original and photocopy of the investment agreement.
Tax payment certificate for production and business activities.
The borrower's pledge right certificate, the list of pledged (pledged) goods and the ownership certificate required to obtain the pledge and mortgage loan amount, and the written documents of the owner and the real estate agreeing to pledge and mortgage.
Other materials required by the Construction Bank.