1. Conditions for applying for loan business:

Natural persons aged 18 to 65 years old; the borrower’s actual age plus the loan application period should not exceed 70 years old; have a stable occupation, Stable income, ability to repay loan principal and interest on time; good credit report, no bad records, legal loan purpose; other conditions specified by the bank.

2. Information that should be submitted when applying for a loan

(1) Valid identity document;?

(2) Proof of residential address (household register, etc.); ?

(3) Personal professional certificate; ?

(4) Income certificate of the loan applicant and his family members; ?

(5) Bank regulations of other information. ?

Depending on the specific access conditions of the borrower, one of the following materials needs to be reviewed: ?

(1) A written letter of job title and professional and technical level issued by the human resources department of the high-quality legal person client unit prove. ?

(2) Certificates of various financial assets owned by individuals such as bank deposits, bonds and funds; ownership certificates of real estate in the name of the individual (or spouse). ?

(3) Peony Platinum Card customer information. ?

(4) ICBC elite financial account customer certification materials. ?

(5) Text of Industrial and Commercial Bank of China personal loan contract.

Extended information:

Main business

Credit funds loans, residents' savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses.

Personal housing loan business

Personal housing loan business refers to loans issued by China Construction Bank or China Construction Bank upon entrustment to natural persons who purchase, build, and overhaul various types of houses in cities and towns in mainland China. . China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loan housing loans, that is, second-hand housing loans, personal commercial housing loans, personal housing mortgage loans, etc.) , provident fund personal housing loans and personal housing portfolio loans.

Starting on October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on factors such as the borrower's home purchase situation, credit record, and repayment ability.

China Construction Bank’s main business areas include corporate banking, personal banking and treasury services. It has branches in Hong Kong, Taiwan, Melbourne and other places. It owns CCB Fund, CCB Leasing, CCB Trust, CCB Life, Sino-German Housing Savings Bank, CCB Asia, CCB London, CCB Russia, CCB Dubai, CCB International and other subsidiaries provide customers with comprehensive financial services.

Reference materials:

China Construction Bank-Baidu Encyclopedia