The conditions of CCB's personal credit loan are:

1. A natural person aged 20-55 with full capacity for civil conduct; Have a local permanent residence or long-term residence certificate and a fixed residence.

2. Have a stable and legal income source, have the ability to repay the principal and interest of the loan on schedule, and the annual household income of the borrower is more than 20,000 yuan; The credit rating assessed or recognized by China Construction Bank is BBB or above.

3. It has a good reputation in the personal credit information system of the People's Bank of China and has no bad credit record.

4. High-quality individual housing loan/provident fund loan customers must meet the following conditions:

(1) The repayment has been normal for more than two years, and there has never been any record of personal loan default or other default in our bank.

(2) The current loan balance is less than 50% of the contract amount of the housing purchased by the loan; The mortgaged house has been registered as a mortgage, and the certificate of other rights has been obtained.

(3) The ratio of the borrower's current monthly housing loan expenditure to monthly income is not higher than 50%.

5. The deposit of high-quality provident fund to customers must meet the following conditions at the same time:

(1) The unit provident fund is collected in the bank, and the unit has been admitted to CCB.

(2) The normal and full deposit period of the provident fund in CCB is more than two years (inclusive).

6. There has never been any record of personal loan default or other default in CCB.

7. The employees who pay their wages with high quality in the form of stocks shall meet the following conditions at the same time:

(1) The agency that pays wages has signed an agreement with China Construction Bank to pay wages on a commission basis, which has been recognized by China Construction Bank.

(2) Regular employees who have worked in this unit for two years. The definition of "regular employee" is based on signing a long-term labor contract with the unit, and the unit pays wages on time, which is the basic principle of on-the-job employees.

(3) The wage account has sufficient and stable repayment funds. The monthly average wage income of wage account, including personal basic salary and performance bonus, is defined according to the wage payment policy of employees in different units.

8. Other loan conditions required by CCB.

2. What are the conditions of CCB's credit loan?

CCB credit loan conditions: 1, loan, with local long-term residence certificate; 2. Have a stable income and be able to repay the loan on time; 3. Personal credit information is good; 4 Ming, valid identification, etc. 5. Other conditions stipulated by the bank.

When borrowers apply for credit loans in CCB, different users get different credit lines, so they can choose different terms and repayment methods when borrowing. Common repayment methods include average capital and equal principal and interest, which are determined by users according to their own income.

The borrower must repay the loan on time after handling it, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. Moreover, after the deadline, the bank will make a dunning. If it is not paid back for a long time, then the bank will borrow the money and must return it after the subsequent judgment.

It is worth mentioning that the repayment of CCB Credit loans overdue will be uploaded to the Credit Information Center, which will lead to the deterioration of personal credit information and affect the handling of subsequent loans. For example, after the car loan, it will disappear in the credit report for 5 years.

3. What are the terms of the CCB loan?

Now at the end of the year, the four major state-owned banks have almost no money to lend. Even if you complete all the information yourself, you may have to wait until the end of the first quarter of next year to get a loan. If you really need a loan, you have to find some commercial banks now. In another month, it is estimated that commercial banks will not be able to lend. If you prepare your own information and go to the bank for a loan, you will have to wait a few months, because the bank may not be able to give you a loan. I'll make the list given by the agent first. I suggest you find an intermediary. Others have more ways than you, and it is easy to borrow money, but the idea of handling fees depends on you.

4. What are the conditions for China Construction Bank to apply for a loan?

1. The borrower is over 18 years old, and the sum of the borrower's age and the loan term is not over 60 years old.

2. Submit the work certificate and loan application, and the bank will apply for it for half a year.

3. Personal credit information is good

4. Other conditions stipulated by the bank. When applying, different users get different credit lines.

Users must know the loan conditions and loan interest rate in advance when applying for a loan in the bank, so as to know whether they meet the conditions. Users must repay the loan on time after handling it, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest.

6. After loans overdue, CCB will be uploaded to the credit information center by the bank. Poor credit information will affect the subsequent re-application of various loans, such as car loans or mortgages. After the overdue arrears are returned, the overdue records on the credit information will continue to be retained for 5 years, and will automatically disappear after 5 years.

7. In order to ensure timely repayment after the loan, users should measure their repayment ability and know what to use for income repayment. If you can't repay on time, you can borrow money from your friends and pay them back later, but don't borrow money often.