1. Borrower 18 years old or above, the maximum age is 60 years old.
2. It has a physical business place, an industrial and commercial business license and a tax registration certificate.
3. The borrower's credit information is good or the enterprise's credit information is good, and there is no bad credit record.
4. The business premises have been operating normally for at least 1 year.
5. There are guarantees and mortgages approved by CCB.
When CCB applies for a loan with its business license, the borrower needs to provide his/her ID card, household registration book or residence certificate, bank flow in the last six months, tax registration certificate, capital verification report, business premises lease contract and rent payment certificate, water and electricity charges in the last three months and tax payment certificate in the last six months. Whether he can successfully apply for a loan depends on the final audit results of CCB. Generally speaking, as long as the borrower meets the requirements put forward by CCB,
China Construction Bank's personal "pledge loan" business can be diversified, handled online all the time, received in real time, repaid with the loan, and calculated according to the actual use amount and days; You can make purchases on some domestic e-commerce websites and use POS credit cards to realize online independent payment. The loan term is as follows:
1. The longest term of credit extension shall not exceed 1 year (inclusive), and the maturity date of credit extension shall not exceed the maturity date of pledge (if any);
2. If there is more than one pledge, the maturity date of the line shall not exceed the maturity date of the earliest pledge.
3. The term of single loan shall not exceed 12 months (inclusive), and the maturity date of single loan shall not exceed the maturity date of loan amount. The annual interest rate of the loan shall be subject to the actual execution interest rate at the time of handling.