One-year consumer loan of CCB: 1, over 18 years old, but not over 60 years old;

2. Have normal capacity for civil conduct;

3. The specific applicant's household registration or long-term residence is in the application area and has a stable residence;

4. Other conditions stipulated by the bank.

China Construction Bank Personal Consumption Loan Application Materials

1. Original and photocopy of the borrower's valid identity certificate;

2. Local permanent residence or valid proof of residence.

3 proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy;

4. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage;

5. A written document that the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount;

6, the guarantor's credit certification materials;

7. Collateral appraisal report issued by the appraisal department recognized by the society;

8. Other documents and materials specified by the Construction Bank.

How long can the loan from China Construction Bank be approved?

Generally, it takes about 15 to 20 working days to get a loan from China Construction Bank. You can consult your local bank for details.

Construction Bank loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3 loans for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan application materials:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident fund can also be loaned on a monthly basis. If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.

If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%

I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.

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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.

It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.

If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!

360 IOUs, with a maximum loan of 200,000!

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Staging music can be borrowed up to 50 thousand!

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How long is the personal consumption loan amount of CCB? Look carefully!

CCB has many high-quality credit products. Because of the low threshold, low interest rate and fast payment, many people like to go to CCB for business. CCB's personal consumption loans have a wide range of uses and are very popular with borrowers. How long can CCB's personal consumption loan be approved? Today we will briefly introduce it.

I. Application Conditions for Personal Consumption Loan of China Construction Bank

Since the loan amount of CCB has a great relationship with the qualifications of borrowers, the first thing to know when to issue the loan amount is the application conditions. Borrowers can apply for loans from the following aspects.

1, aged between18 and 65 years old, with local permanent residence or local long-term residence certificate, fixed residence, stable income and good personal credit.

2, collateral, personal consumption loans can provide collateral, not only can get a higher amount, but also the pass rate will be higher. The relationship between loan amount and collateral: 70% for individual ordinary housing and 50%-60% for commercial housing facing the street. Villa/townhouse 50%. Office buildings and self-use office buildings are 40%.

3. Take an oath. If you have large deposit certificates, large insurance policies, investment and wealth management, equity and creditor's rights in your name, you can apply for pledged consumer loans.

2. How long can CCB's personal consumption loan be approved?

Because there are too many types of consumer loans under CCB, the time for granting the quota is different:

1, get out now. If it is a pure online credit loan, the amount can be issued immediately after submitting the information, and the results can be seen at the latest one day.

2. If it is a mortgage-secured loan or a mortgage-secured loan, it may be necessary to complete the formalities and wait for the third party to evaluate the asset value before issuing the line.

How long does it take to apply for a mortgage in CCB?

Hello! The approval time for general bank loans is about 15 days. If there is a policy change, the time may be extended to 1 month. \ or the bank is short of funds. At this time, loans may need to be queued, and the time will be further extended. \ \ If it is not approved for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions. In case you can't handle it, the bank will also inform you. \ \ After approval, the bank will not lend money immediately, so it needs to sign a contract with you; After the contract is signed, CCB will issue loans according to the contract when conditions are met.