After the quick loan of CCB is settled, the system will release the customer's loan amount in real time. When the customer applies for quick loan again, the amount displayed on the page at the time of application shall prevail. This line will change due to the customer's stock business situation in CCB or my credit situation, which may lead to no quick loan line or a reduction of the line after the line is settled. It is recommended to retry the application later or later.
(In case of business changes, please refer to the actual situation. )
What if CCB's fast loan is rejected? Have these methods been tried?
Now many netizens who apply for quick loans from CCB will be directly rejected, and it is difficult to apply for the loans they want. Many friends don't want to give up, so they ask what to do if CCB's fast loan is rejected. Here, I will introduce some effective methods to you.
Increase running water and financial assets
It is very important for friends who are refused quick loans at CCB to show their repayment ability to CCB. You can add more operating records of CCB and handle more financial management and deposits in CCB.
Reduce personal debt
In many cases, the borrower's application for quick loan from CCB is rejected because of the current heavy debt. For friends with heavy debts, they can take the initiative to pay off some debts, or apply for a quick loan from CCB after paying off some debts.
Maintain one's credit
CCB Express Loan is a pure credit loan, which requires high personal credit of the borrower. Therefore, everyone should pay attention to timely and full repayment in daily life. Friends with stains on credit information should wait until the stains on credit information are cleared or the time is over 2 years before applying.
skill
It is impossible to improve your comprehensive credit in a short time, and everyone needs patience. Generally speaking, persistence for more than 3 months is likely to have an effect. So I suggest you try to apply again after being rejected for 3 months.
Above, I have introduced in detail what to do if CCB's fast loan is rejected. In short, we can start from three aspects: increasing running water and financial assets, reducing personal liabilities and maintaining our own credit.
After the fast loan of CCB is settled, the application page has a quota, but the application prompt does not meet the access requirements. What should I do?
The lender does not meet the requirements of CCB's fast loan and cannot apply for a loan. Construction Bank loans generally meet the following conditions:
1, legal identity.
2, a stable economic income, and good credit, the ability to repay the loan principal and interest.
3. Effective contracts, agreements and other documents required by the loan bank for the purchase, overhaul and construction of houses.
4. Having assets approved by the lending bank for mortgage or pledge, or (and) being a legal person, other economic organization or natural person with sufficient compensation capacity.
5. Other conditions of the lending bank.
CCB Express Loan:
After applying for a successful credit line, CCB's fast loan does not calculate interest, but only generates interest when it is withdrawn from the credit line of fast loan. In addition, the interest standard of fast loan is calculated according to the principal, that is, the interest generated will not generate compound interest.
CCB's fast loan is for credit reporting. Therefore, when applying for quick loan, there is a loan record of 100%. It is recommended to apply in full, and not to apply for multiple times. The fast loan amount of CCB is determined according to the assets in CCB, and it will not be increased just because you borrow too much. A loan is not a credit card, so you can't raise the limit by raising a card. This will only waste credit information and affect future loans.
Solution to the rejection of CCB's fast loan
The rejection of CCB's fast loan is caused by insufficient comprehensive credit, but it is almost impossible to improve your comprehensive credit score in a short time. It will take at least three months to be effective. Therefore, it is recommended that you submit your application after three months of rejection.
Extended data:
CCB's "quick loan" is a full-process online self-help loan for individual customers launched by CCB. Users can complete loans online through electronic channels of CCB, including real-time application, loan approval, contract signing, withdrawal and repayment.
Users can apply for loans through mobile banking, online banking and intelligent teller machines of China Construction Bank, and follow the prompts to complete the loans without any intermediary or others.
CCB's "fast loan" has four products, namely, fast e-loan for credit and e-loan for car, financing e-loan for credit or real estate mortgage, and pledge loan for pledge.
Apply for quick loan from CCB:
Users can apply for quick loans from China Construction Bank through mobile banking or online banking. Take mobile banking as an example. After entering the mobile banking, there will be a quick loan entrance on the homepage, and users who enter the quick loan page can directly choose to apply. After that, the user can submit a loan application according to the prompts on the page. As for whether it can pass the audit, the results displayed on the page shall prevail.
After the quick loan is approved, CCB will arrange the loan as soon as possible. After the loan is successful, users can use the loan amount of fast loan according to the regulations on the use of funds.
The application conditions for quick loan of CCB are as follows:
1. The applicant is a CCB housing loan user, or a user with financial assets in CCB, or a CCB private bank user (just fill in one of them);
2. The applicant is between 20 and 65 years old;
3. The borrower has a good personal credit record and no bad credit record;
4. The applicant has handled practical business such as deposit and withdrawal, loan, purchase of national debt and purchase of wealth management in CCB.
CCB's fast loan application process:
Users can apply for quick loans from China Construction Bank through mobile banking or online banking. Take mobile banking as an example. After entering the mobile banking, there will be a quick loan entrance on the homepage, and users who enter the quick loan page can directly choose to apply. After that, the user can submit a loan application according to the prompts on the page. As for whether it can pass the audit, the results displayed on the page shall prevail.
After the quick loan is approved, CCB will arrange the loan as soon as possible. After the loan is successful, users can use the loan amount of fast loan according to the regulations on the use of funds.