After the fast loan expires, if it is not repaid on time, the Construction Bank will be overdue from the day after the due repayment date. For overdue loans, the penalty interest rate will rise by 50% on the original loan interest rate level.

Repayment should be made as soon as possible after the deadline, so as to avoid penalty interest and affect the credit record.

Tips:

Quick Easy Loan supports eligible customers to apply for repayment of part or all of the principal of the quick easy loan in six, nine and 12 deferred installments through mobile banking or online banking within 30 days before the loan expires.

Extended data

"Quick and Easy Loan" Return Rules:

American Express E-loan supports four repayment methods, namely, repayment with loan, monthly interest payment, one-time repayment, average capital and equal principal and interest.

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 and days used, 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.

China Construction Bank-What if the fast loan is overdue?

China Construction Bank-"Quick and Easy Loan" Return Rules