China Construction Bank can make loans, and the threshold for loans is also very low. Applicants only need to meet the loan conditions to obtain the loan amount.
Construction Bank loan conditions:
1, age 18 and above 50.
2. Applicants need to have a fixed job and income.
3. If the loan is used for business or car purchase, a guarantor and mortgage are needed.
4. There is no bad record in the credit investigation. The monthly payment is not higher than 50% of the family wage income.
Applicants who meet the above conditions can make loans through CCB's APP, official website or bank counters. After submitting personal loan requirements and personal data, the bank will review the submitted materials. After approval, CCB will lend money.
Is it possible for China Construction Bank to lend money? Do you need any low voltage and protection? and ...
You can get a loan, and it depends on your qualifications to determine whether you can bring it to you. Some need collateral, usually with an annual interest rate of around 8%, some have mortgages and credit loans.
Is it possible for China Construction Bank to lend money? What low pressure and protection are needed? How much is the interest and how long does it last? Thank you.
You can get a loan, and it depends on your qualifications to determine whether you can bring it to you. Some need collateral, usually with an annual interest rate of around 8%, some have mortgages and credit loans.
4. What are the products of CCB loan?
China Construction Bank is one of the loan products of China Construction Bank. It is a small short-term RMB loan provided by banks to customers for legitimate business activities. According to the introduction of China Construction Bank's official website loan, China Construction Bank can be divided into the following categories: personal business loans, personal consumption loans, SME commercial loans and so on. So what information do you need to apply for China Construction Bank?
Information required to apply for CCB:
1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
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, insurance policy, etc.
4. Pledge right, the list of collateral and ownership certificate required for the borrower to obtain the pledge and mortgage amount, and the written document that the owner and the real estate * * * agree to pledge and mortgage.
5. 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.
To apply for the Construction Bank, you need to prepare all the information according to the regulations of the bank. Banks are generally suitable for self-employed individuals and small workshops. The loan amount is generally less than 200,000 yuan, 1 1,000 yuan or more. However, the operating cost of banks is high, so they need to choose according to their actual situation.