1. The borrower shall fill in the application form at the loan handling office with valid ID, pledge, mortgage certificate and guarantor's guarantee. After investigating the borrower's guarantee and credit, the bank will reply to the borrower within 15 days.
2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with China Construction Bank.
3. During the validity period of the credit line and the available credit line, the borrower can use it at any time. When using it, he has to fill in an IOU to use a single loan. The Construction Bank will transfer the loan funds into the account agreed in the contract.
4. The borrower can recycle the loan within the validity period of the credit line, and the available credit line is the difference between the credit line approved by the bank and the principal balance of each loan under the credit line. After the borrower owes the loan, the available amount will be deducted accordingly, and after the borrower repays the loan principal, the available amount will be increased accordingly.
5. Before the expiration of the credit line, the borrower shall pay off all the loan principal and interest under the credit line, and go through the formalities of mortgage and pledge registration cancellation at the Construction Bank within 20 days after paying off the loan principal and interest, and the loan contract signed between the borrower and the Construction Bank will be automatically terminated.
Extended data
Loan preparation information
1. Original and photocopy of ID card, household registration book and marriage certificate of the borrower's husband and wife and the property owner (* * * owner) (divorce certificate and divorce agreement shall be provided for the borrower's divorce; Widowed to provide proof of widowhood and inheritance notarial certificate).
2. Copy of income certificate, payroll for the last 3 months, company business license stamped with official seal and passed the annual inspection.
3. The title certificate of the mortgaged house and the original purchase contract (original purchase invoice) and their copies, and the center shall provide the listing certificate for the house.
4. Consumption purpose of the loan.
5. Residents from other provinces and cities need to provide temporary residence permits and long-term residence certificates.
7. If the borrower has a college degree or above, provide proof of education.
How to substitute loans for the poor
The loan amount through China Merchants Bank is small (less than 50,000 yuan). If you are already a user of China Merchants Bank and downloaded the mobile banking APP of China Merchants Bank, you can try to apply through this interface by logging in to mobile banking and clicking My-All-Loan-I want a loan. If you meet the credit card requirements of China Merchants Bank, you can try to apply for a credit card.
The loan amount is more than 50,000 yuan. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Due to the different requirements and application materials of each loan project, the current loan purposes are: car purchase, parking, decoration, education, bulk consumption shopping, tourism and other legitimate personal or family consumption; And the use of business turnover. You can call 95555 at 8:30- 18:00 to enter the manual service and provide the loan purpose and city for detailed information. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
I am poor and want to borrow 50 thousand. Where can I get a quick emergency loan?
If you need urgent money to apply for an unsecured credit loan, I suggest you choose a reliable brand. Money is a credit service brand under Xiaoman Finance (formerly Baidu Finance), which is safe and credible, and has the characteristics of simple application, fast loan, flexible repayment, transparent interest and expenses, and strong security. The application materials are simple, with the fastest approval in 30 seconds and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
After meeting the above conditions, you can apply for a loan. Download Qianhua App, enter the loan entrance, and click View my quota → Fill in the information → Confirm the information → Get the quota. The fastest approval is 30 seconds, and the maximum amount is 200,000.