1. The borrower fills in the loan application form and provides the necessary information;
2. CCB will investigate and review the borrower's credit status and information, and give an official reply to the applicant within three weeks;
3. The borrower who passed the audit of CCB signed a loan contract with CCB. And according to the loan guarantee method, at the same time sign a mortgage contract or pledge contract, guarantee contract;
4, according to national and local laws and regulations, as well as the provisions of the Construction Bank, for real estate insurance, mortgage registration or contract notarization and other procedures;
5. CCB Bank issues loans according to the contract.
Extended data:
What is the loan interest rate of China Construction Bank?
The loan interest rate of China Construction Bank is as follows:
1. Short-term loan: the loan interest rate for less than 6 months (inclusive) is 4.35%; The interest rate for the loan term of 6 months to 1 year (inclusive) is 4.35%.
2. Medium-and long-term loans: the interest rate for the loan term 1 to 3 years (inclusive) is 4.75%; The interest rate for the loan term of 3 to 5 years (inclusive) is 4.75%; The interest rate for loans over five years is 4.90%.
From 20 19 and 10, the loan interest rate of individual commercial houses will be changed from the benchmark interest rate to the loan market quotation (LPR), so the loan interest rate will be adjusted accordingly. In fact, the implementation interest rate of bank outlets will fluctuate, and the specific interest rate will be subject to the final signing.
Second, how to apply for a credit loan from a bank?
Hello, if you need to handle our loan business, whether the loan can be handled or not, you need to provide your relevant information at our outlets, subject to the audit results of the loan audit department at the outlets.
Personal consumption credit loan business refers to the loan business issued to natural persons who meet the conditions of our bank without providing guarantee.
The following is information about personal consumption credit loan of Shenzhen Branch for your reference:
amount of loan
The minimum credit loan amount is 50,000 yuan, the maximum loan amount does not exceed 3 million yuan, and the maximum loan amount for private drilling customers does not exceed 5 million yuan. At the same time, we must meet the requirements of each specific product.
Loan/credit amount
The maximum loan/credit line is 6,543,800 yuan. At the same time, it shall not exceed 24 times of the monthly income that the borrower can clearly identify, or 30% of the family net assets after the customer's conversion. If the customer has applied for personal consumption loan through credit in our bank, the existing credit line will be deducted on the basis of the above-mentioned credit line.
deadline
The maximum term of the credit line shall not exceed 5 years, and the maximum term of a single loan or a single loan under the credit line shall not exceed 3 years.
loan rate
The loan interest rate shall not be less than 0.9 times of the benchmark interest rate.
If you have any other questions, please visit the Online Customer Service of China Merchants Bank (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!
3. Which banks can apply for credit loans when they resume work in 2022?
Ping An Bank, China Everbright Bank.
In order to help enterprises return to production, Ping An Everbright Bank launched a special credit to help catering enterprises obtain funds for returning to work. The epidemic prevention loan supports the financing of small sanitary material production enterprises.
The application conditions of the loan for safe return to work include: enterprises with good development prospects and low recovery rate. Enterprises with good credit and high recovery rate. Or enterprises and self-employed individuals who have suffered heavy losses in the epidemic and have difficulties in operation may apply to Ping An Bank for a loan for returning to work. Of course, if the above conditions are met, the user must