Natural persons aged between 18 and 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank.
2. Information to be submitted when applying for a loan
(1) my valid identity document; ?
(2) proof of residential address (household registration book, etc.). ); ?
(3) Personal professional certificate; ?
(4) proof of income of the loan applicant himself and his family members; ?
(5) Other information required by the bank. ?
According to the specific access conditions of the borrower, one of the following materials needs to be reviewed:
(1) A written certificate of the post and professional technical level issued by the personnel department of the client unit of the high-quality enterprise. ?
(2) Bank deposits, bonds, funds and other financial assets owned by individuals; Property certificate in the name of individual (or spouse). ?
(3) Peony Platinum Card customer information. ?
(4) Customer certification materials of ICBC wealth management account. ?
(5) China Industrial and Commercial Bank personal loan contract text.
Extended data:
primary service
Credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy housing reform finance and personal housing mortgage loans.
Personal housing loan business
Personal housing loan business refers to loans issued by CCB or natural persons entrusted by CCB to purchase, build and overhaul various types of housing in Chinese mainland cities and towns. CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal second-hand housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans.
20 14 10 10 started on October 9th. CCB supports the reasonable housing loan demand of residents' families. For families who purchase the first home by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. According to the borrower's purchase situation, credit history, repayment ability and other factors.
The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches in Hongkong, Taiwan Province Province and Melbourne, and subsidiaries such as CCB Fund, CCB Leasing, CCB Trust, CCB Life Insurance, Sino-German Housing Savings Bank, CCB Asia, CCB London, CCB Russia, CCB Dubai and CCB International, which provide comprehensive financial services to customers.
References:
China Construction Bank-Baidu Encyclopedia