2 CCB personal loan conditions:
1) fast loan, you can apply if you meet any of the following conditions: you have applied for a housing loan in China Construction Bank and have not paid it off yet; CCB has deposits, national debt and wealth management products; The applicant is a private bank customer of China Construction Bank.
2) Personal housing loan: China citizens with full civil capacity, 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.
3) Personal car loan: the age is between 18-60 (inclusive); Used to buy a car, if it is a car for personal use, there must be a minimum down payment of 20%; Commercial vehicles, the minimum down payment is 30%; Guarantee measures recognized by CCB shall be provided.
4) Personal consumption line loan: the applicant's age is between 18 and 60; The loan has a clear purpose and is used for personal and family consumption; The applicant must choose one of the three ways of guarantee: mortgage, guarantee and credit. Have good credit and the ability to repay loans.
1. Application materials required for loan processing:
1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;
2) Proof of the borrower's spouse's commitment to repayment;
3) Business license for production and operation, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;
4) Proof of loan purpose (such as house purchase contract, etc.). );
(five) the tax situation of production and business activities.
2. Procedures for handling loans:
1) customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2) sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3) issue loans. For the loan approved by the bank, after all the formalities are completed, the bank will transfer the loan to the personal settlement account designated by the borrower;
4) Repayment on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5) Loan settlement: Loan settlement includes normal settlement and early settlement.
A. Normal settlement: the loan shall be settled on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment);
B. Early settlement: Before the loan expires, the borrower must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after it is approved by the bank. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.