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.
2. What personal loan business does CCB have?
CCB personal loans include personal housing loans, personal consumption loans, personal business loans and fast loans. However, borrowers who want to apply for personal loans from CCB need to meet certain requirements. For example, to apply for a personal loan from CCB, you need more than 18, less than 50 years old, and the sum of borrowing age and time cannot exceed 65 years old. At the same time, they also need to have a stable personal permanent residence and be able to provide proof of local permanent residence. Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loan refers to the principal and loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. Personalloans ("personal loans" for short), also known as retail loan business, rose in western countries after World War II and has become an important loan business after decades of development. The main reasons for the rapid development of western retail loans after the war are: first, the competition among financial institutions is becoming increasingly fierce, and the importance of retail business is recognized; Second, after the war, the economic development in the western region was relatively stable, personal income increased, and people were willing to use loans for consumption; Third, the emergence of a large number of credit reporting agencies enables banks to know the credit status of borrowers conveniently and quickly. Personal loans are principal loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. And stipulate the loan interest, repay the principal and interest on schedule, and use it for buying self-occupied housing, consumption or small investment. Personal loans provided by banks are different. 1. Personal credit loan. To apply for a personal credit loan from a bank, you only need the loan applicant to have a stable job and income. The general loan amount is between 654.38+0,000-500,000, and the longest loan period is 5 years. Usually, the loan can be released within 1 working days after the data approved by the bank, which is a fast loan scheme with no mortgage and simple operation. 2. Real estate mortgage loan. Property mortgage refers to the mortgage of one's own property to a bank in exchange for a loan from the bank. Real estate mortgage loan will not affect the right to live in real estate, nor will it affect the quality of life. This loan scheme has a long repayment period and a high loan amount, which is a good choice for enterprises and individuals to seek large amounts of funds. 3. The lent property can be mortgaged again. When buying a house, the mortgaged property, or the mortgaged property, can be re-evaluated according to the current market price, and you can apply for bank two mortgage again. Lenders can apply for loans by providing corresponding loan application materials.
Third, how to open electronic bank acceptance bills
Bank acceptance bill. Generally speaking, bank promises are regarded as loans. Credit is granted first, and then processed. Guarantee (guarantee, mortgage) and deposit (generally 30%-50%) are required. Full bank is a low-risk business, which does not need credit, but needs 100% deposit. A complete set of enterprise information (business license, tax registration certificate, organization code certificate, certificate of articles of association, seal and other requirements of the bank) and loan card are needed to handle the bank commitment letter.
4. What business does CCB need to offer?
You don't need to open any services to apply for a loan, and the extra ones are just fooling you. The loan business is independent and bound with the debit card or passbook of the loan.