1. Similar to China Merchants Bank's lightning loan, CCB's credit loan is also an invitation system. The difference is that lightning loan is a comprehensive evaluation of all qualifications. Even if you are not a bank's payroll, mortgage and provident fund customer, you can still give a quota if other conditions are good; CCB basically only invites the following people-paying wages, provident fund deposit accounts, mortgage customers and large deposit certificates customers.
2. What is more conscience than lightning loan is that although the entry threshold of CCB Express Loan is relatively high, as long as it is invited, the interest rate will never be high, basically between 4% and 6%, and most of them are 4%+, which is super welfare.
3. The repayment method of CCB's fast loan is interest first and capital later. I've never heard of anyone whose principal and interest are equal. However, China Merchants Bank's lightning loan is both. After the credit line is activated, it can be used for up to one year, and the loan will be re-evaluated and updated when it expires.
4. Due to the low interest rate, the frequency of post-loan management of CCB is not low. However, as long as your qualifications have not changed substantially, CCB will generally continue to give you credit. For example, we have a customer # CCB # who gave a quick loan of 300,000 yuan before. Later, his liabilities changed, and more than 2 million credit loans were added. However, because he is a wage customer of CCB, his annual income is about 500,000 yuan. Although he has increased his debts, his repayment record is good, and CCB's fast loan still gives credit after one year expires. It can be seen that CCB has a high tolerance for high-quality customers with high contributions.
5. Different from China Merchants Bank, although CCB also gives the forecast quota first and then evaluates the credit information to give the accurate quota, the final pass rate of CCB's fast loan is higher than that of China Merchants Bank's lightning loan, and it is much higher! It's not so cheat people, is it? Compared with China Merchants Bank, it has too much conscience!
Generally speaking, after all, China Merchants Bank is a joint-stock commercial bank with high degree of commercialization, and its interest rate and access are relatively market-oriented; As one of the four state-owned banks, China Construction Bank is a benchmark bank with high welfare. CCB pays attention to stability and is not short of money, so the entry threshold is high, but the interest rate is low, and it needs high-quality people. For this reason, the previous # credit card # circle has always been legendary: the contributions of CCB and ICBC are very profitable, which is true. If you are lucky enough to get a quick loan from CCB, congratulations, you won the lottery, so use it with peace of mind and don't overdue it.
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