1. CCB personal credit loan applicants need to bring their ID card, work certificate, income certificate, property certificate, etc. Go to the CCB business outlets, fill in the loan application form and provide the necessary information before applying.
2. Then the applicant waits for CCB to investigate and review the credit status and materials, and sign a loan contract with the bank after the approval.
3. The applicant who has passed the audit of CCB signs a loan contract with CCB, and signs a mortgage contract, a pledge contract and a guarantee contract according to the loan guarantee method.
4. Notarize the contract. If mortgage guarantee is needed, you need to cooperate with the bank to handle mortgage registration and other related procedures. According to the provisions of the Construction Bank, handle the formalities of real estate insurance, mortgage registration or contract notarization.
5. CCB issues the loan according to the contract, and the bank transfers the money to the designated account, and the loan is completed.
Extended data:
How much is the interest on CCB's credit loan?
Loan interest = loan amount, loan interest rate and loan time, so the specific interest depends on loan amount, time and loan interest rate. The credit loans of China Construction Bank are divided into short-term loans and medium-and long-term loans.
1. Short-term loan: the loan interest rate within one year (including one year) is 4.35%.
2. Medium and long-term loans: the loan interest rate for one year to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.9%.
For example, if the user borrows 10000 yuan from China Construction Bank and the repayment period is 1 year, the loan interest generated by 100004.35% 1 is 435 yuan.
How to borrow a loan from CCB? What is the process?
Application-review information-check loan.
Simply put, it is such a process. But each step of these processes will have some detailed requirements.
Mainly based on the loan amount, repayment ability and other reference factors, the bank will decide whether to carry out this loan business.
Zhihu is a financial APP launched by China Construction Bank. It evaluates the credit of enterprises based on big data such as transaction settlement and tax payment records, and provides credit services to small and micro enterprises online around the clock. There is no need to pay extra fees such as guarantee, evaluation and "crossing the bridge", which can greatly reduce the loan cost of small and micro enterprises.
CCB understands that there are several different products in your APP, and the application requirements are slightly different. Let's have a look.
First, CCB credit fast loan
This is the credit loan that CCB understands you. It has no mortgage or guarantee. You can apply online directly through your mobile phone. You can borrow it or pay it back, and the interest is calculated on a daily basis.
Supplementary application conditions: holding CCB financial assets (including deposits and wealth management, etc.). ) or an honest tax paying enterprise of CCB.
Second, CCB's fast mortgage loan
This kind of large loan product needs to be reviewed online and then signed at the local CCB outlet. Suitable for small and micro enterprises with real estate mortgage or secondary mortgage of existing mortgage loans. It is also a product that pays interest every day.
Supplementary application conditions: CCB's high-quality real estate or personal housing loan.
Third, CCB pledged fast loans.
Similar to fast credit loans, the difference is that providing pledged products requires individuals or enterprises to hold financial assets (including deposits and wealth management) in CCB.
Fourth, fast loan on CCB platform.
If it is a small and micro enterprise with e-commerce shopkeepers, government, supply chain and other cooperation platforms, it can apply for this CCB product, or it can be successfully operated online, with daily interest and repayment.
The steps to apply for a loan through the "CCB Know You" app are as follows:
1. Search and download the "CCB Know You" APP through the mobile app store (Apple Android) and log in (the first login needs to register the user according to the prompts and complete the real-name authentication);
2. Select "My-My Enterprise-Create Enterprise" in turn, and create enterprise information according to the prompts (only enterprise legal persons or shareholders can add enterprises);
3. Click "I want a loan-loan-apply immediately" to initiate the shareholders' meeting;
4. Each shareholder enters the "Know Your Micro Service" WeChat applet to attend the shareholders' meeting, clicks "I am a shareholder, I want to attend the online shareholders' meeting", and completes the authorization according to the prompts;
5. The actual controller of the enterprise logs into the "CCB Know You" App and accepts the authorization according to the prompt;
6. Click "Loan Application" and CCB will understand that your loan process is very simple. Download CCB Huizhi Your App first, register and complete real-name authentication according to the prompts, then select loan products according to your own loan needs, click to enter the loan application page, and then fill in relevant information according to the requirements of the page, such as the full name of the enterprise, industry, operating income, tax amount, etc. After completing the application, submit the application and complete the loan application.
I want to ask how to get a credit card loan from China Construction Bank.
1. On the mobile phone desktop, open the CCB app.
2. Open the CCB app and click the place indicated by the arrow in the upper left corner of the page.
3. Next, click Login.
4. After logging in, click the micro quick loan indicated by the arrow.
5. On the subsequent page, select the loan to be processed, and then click Apply.