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. It has a stable and legal source of income and the ability to repay the principal and interest of the loan on schedule, and the annual income of the borrower's family 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 and has no bad personal credit record in the personal credit information system of the People's Bank of China.

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

(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 has obtained the certificate of other rights.

(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 stock customers must meet the following conditions:

(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 stock of high-quality paid employees, must also meet the following conditions:

(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.

After reading the conditions, everyone will know whether they are qualified to apply for a personal credit loan from CCB, but they can't go unprepared. Step by step, the process is faster. The following is the application process of CCB's personal credit loan.

CCB Personal Credit Loan Application Process

1, mobile banking

(1) Log in to mobile banking and click "Quick Loan".

(2) After entering the main page, the system will automatically display the maximum credit line, click "Apply Now" and fill in the proposed loan amount.

(3) Obtain the loan results in real time, fill in the verification code sent by CCB, and sign the contract online.

2. Online banking

(1) Log in to online banking and select Personal Loan-Express Loan-I want express loan.

(2) Click "Personal Credit Loan" to apply and fill in the information as prompted.

(3) Obtain the loan results in real time and confirm the contract signing online.