CCB Express Loan is an online self-service loan business of China Construction Bank. Customers can apply for self-help online, and the loan amount is high, so it has always been loved by many people, so many people want to continue to use CCB Express Loan after paying it off. So, can CCB express loan be recycled? Can the quota be fully restored? I will answer your question today.
Can CCB express loan be recycled?
CCB's fast loan can be borrowed circularly, because the quota of CCB's fast loan is a revolving quota. As long as you pay off the last loan in full, your quota will generally be restored, and you can apply again after the quota is restored.
However, it should be noted that the banking system will re-evaluate you when you have paid off all the loans. So sometimes you may not be able to apply again because you used it badly last time.
Therefore, when you use CCB Express Loan, you must remember to repay the loan on time and keep a good use, so that your comprehensive score will not be low when the banking system is reassessed. And as long as your comprehensive qualifications are good, you can also apply for an increase when you apply again.
Can CCB's fast loan be fully restored?
Generally, after you pay off the quick loan of CCB, the bank will decide the degree of credit line recovery according to your comprehensive situation. If your overall situation is good, you can take it back in full. If there is improper behavior in the use process, the credit line may be reduced, or even there may be no credit line.
The above is "Can CCB express loan be recycled? Can the quota be fully restored? " The answer. The amount of quick loan from CCB is revolving, but whether it can be borrowed circularly depends on your final use. If the overall situation is good, the line can be borrowed after it is restored. The recovery of the quota also depends on your last use.
How many days can CCB express loan be overdue?
It is recommended not to be overdue, otherwise it will have an impact on personal credit information.
Overdue may have the following consequences:
I. being sued
Fast loans overdue for more than 90 days will be regarded as malicious overdue. If the repayment is not made after 120 days, the bank may bring a lawsuit to the court;
If the bank fails to repay the loan after winning the case and fails to perform the court's judgment during the performance period, it may apply to the court for compulsory execution;
When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;
If the lender refuses to execute the effective judgment of the court because there is no enforceable property under his name, it will be included in the list of people who have been executed in bad faith, which will affect travel, consumption, children's schooling and even judicial custody.
Second, the impact of credit reporting.
If you are blacklisted by the bank and your credit record is hacked, you can't handle credit card, loan, car loan, mortgage and other businesses that need to check your credit in the future.
If the arrears are not paid, the bad records will never be eliminated. After the arrears are paid off, the bad records will be automatically eliminated after 5 years.
Extended data
The fast loan period of CCB: the longest 1 year, which can be recycled. Within the validity period of the line, it can be used and repaid at any time.
China Construction Bank's loan is fast: it can be withdrawn independently; You can shop on the domestic e-commerce website and pay with the "loan account" in online banking payment; You can use the debit card of the fast loan sign to swipe your card at the merchant POS.
Interest calculation of CCB's fast loan: you can sign a contract to lock the quota and interest rate first, valid for one year, and charge no interest if you don't use it. Use the loan at any time within the validity period, and calculate the interest on a daily basis according to the actual number of days of use, saving money and caring.
Will the fast loan of CCB be paid back one year later or every month?
Take Quick Easy Loan as an example: Quick Easy Loan supports four repayment methods: repayment with loan, monthly interest payment, one-time repayment, average capital and equal principal and interest. The specific repayment method is subject to the page display when applying for quick loan.
If "loan with repayment" is adopted, it can be recycled within the validity period of the line, and the interest is calculated according to the actual amount used and the number of days, and all the loan principal and interest must be settled on the maturity date of the line; If the method of "paying interest on a monthly basis and repaying the principal at one time" is adopted, it can be used by stages, and the interest is calculated according to the actual days of use. On the repayment date of each month, the system will automatically deduct the interest due in the current month and repay the principal and interest when it is due;
If "matching principal and interest" or "average capital" is adopted, the loan will be fully paid immediately after signing the contract, and the system will automatically deduct the principal and interest due in the current month on the repayment date of each month.
Extended data:
Fast e-loan can be signed first to lock the quota and interest rate, valid for one year, without interest. The longest loan period is 1 year, which can be recycled. The loan amount is the exclusive amount granted according to individual qualifications, ranging from 1000 yuan to 300,000 yuan.
The intended use of the loan
1, which can be withdrawn independently;
2. You can shop on the domestic e-commerce website and use the "loan account number" in online banking payment;
3. You can use the debit card of the quick loan sign to swipe your card at the merchant POS.
China Construction Bank-? "Quick Loan" of China Construction Bank
China Construction Bank-? Return rules of "fast e-loan"
Excuse me, is CCB's fast loan a perpetual cycle?
Wo E loan of CCB express loan cannot be recovered, but car e loan, express e loan, financing e loan and pledge loan can be recovered, which belongs to the recovery line. You can apply for a loan at any time within the quota and restore the quota after repayment.
It should be noted that every loan application needs the approval of CCB. If the applicant has a bad credit record such as overdue in the last loan, it is likely to lead to the failure of this application, thus interrupting the revolving loan.
Learn more about CCB's fast loan, is it a perpetual cycle? Enter: See more.