China Construction Bank's fast loan refers to a repayment method of China Construction Bank's fast loan, that is, within the borrower's loan term and credit line, the borrower can withdraw the credit line at any time, or repay it at any time without repayment on schedule. As long as the funds are sufficient, the repayment can be made at any time.
First, early repayment of fast loans in CCB is not a breach of contract, and there is no need to pay liquidated damages, and it will not affect personal credit;
Second, the interest of CCB's fast loan is calculated on a daily basis, and one day's money is repaid. Daily interest rate = annual interest rate /360.
The longest term of quick loan of CCB is 12 months, and users do not need to repay the loan every month, but only need to repay the principal and interest after the expiration. However, fast loan is also a product with daily interest, which can be repaid as you borrow it. Therefore, users choose to repay in advance, which not only has no liquidated damages, but also saves some interest. Due to the flexible repayment method of fast loan, it helps users reduce the risk of overdue to some extent.
Of course, if the user has not settled the arrears when the fast loan expires, it will be counted as overdue at this time, and the overdue record will be uploaded to the credit information after the overdue.
The maximum amount of fast loan for CCB is 50,000, which is also an ID card loan. As long as they are CCB customers, they can apply for mortgage or deposit in CCB. The expected annualized interest rate is only 7.2% from the fast loan of CCB 1 1,000 yuan.
The application conditions of CCB's personal consumption loan:
1. The applicant must be a natural person with full capacity for civil conduct at the age of 18, generally no more than 55;
Two, in the town where the loan bank is located, it has a fixed residence or an effective residence;
Three, the lender must have a legitimate and stable economic income, good personal credit, and the ability to repay the loan principal and interest;
Four, there is a clear intention to consume or have signed relevant consumption contracts, and can provide collateral or guarantor recognized by the Construction Bank;
5. Other relevant materials required by CCB (valid identity certificate and household registration certificate, marital status certificate, personal income certificate and personal consumption loan application form, etc.). ).