It will be kept for verification, and the salary flow and income proof can be reflected.
Loan channel
1. Traditional loans (also called offline loans) refer to loan applications submitted through banks in real life. )
Two, online loans (also known as online loans, online loan applications)
Namely P2P financial loan. The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.
3. Mobile loan (refers to submitting a loan application through the mobile loan app, which is flexible and convenient anytime and anywhere)
Basic loan terms
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Application materials to be provided:
(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
(2) the guarantor's credit certification materials.
(3) Collateral appraisal report issued by the socially recognized appraisal department.
(4) Other documents and materials as stipulated by the Construction Bank.
(5) Original and photocopy of the borrower's valid identity certificate.
(6) local permanent residence or valid residence identity certificate.
(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.
(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.
(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.
5. Loan term: The maximum validity period of the mortgage line is 5 years, the expiry date of the pledge line shall not exceed the expiry date of the pledge right, and the maximum validity period of the credit line and guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.
6. Loan interest rate: The loan interest rate of China Construction Bank shall apply.
The loan has been repaid and the real estate license has been obtained. Do I still need to keep the repayment bank card?
The loan has been paid off. If you get the real estate license, the repayment will be deposited in the bank card, which can be used as a normal bank card. If it is useless, you can apply for cancellation.
How long will the remittance record information of CCB be kept?
Bank transfer records shall be kept for three years. The bank does not guarantee records for more than three years. Due to judicial needs, the police can consult the records by issuing relevant documents. The police can't find the record because the bank can't provide it after the storage time.
Method for querying bank remittance records:
1. Print account details at the bank counter with your personal ID card, that is, the statement.
2. Log in to online banking or inquire about transaction details through telephone banking.
3. For passbook users, you can directly view the transaction records printed on the passbook.
Extended data:
Matters needing attention in remittance processing:
1. If the remittance needs to be withdrawn by the payee with the seal, the bank seal reserved by the payee shall be affixed to the fourth remittance voucher.
2. When the remittance unit needs to send someone to the remittance bank to collect the remittance, it should indicate the name of the payee in the payee column, and at the same time indicate the words to be received in the account number or address bar. If you need to designate a specific payee to receive remittance, you should indicate the name of the payee unit.
3. If the remitter determines that remittance is not allowed, it shall be indicated in the remarks column.
4. If an individual needs to withdraw cash from the remittance bank, he/she should first fill in the words of cash in the capitalization column of remittance amount on the remittance and telegraphic transfer voucher, and then the user will immediately fill in the capitalization of remittance amount.
Baidu Encyclopedia-Bank Running Bill
Baidu encyclopedia-remittance
Baidu encyclopedia-reserved
Baidu Encyclopedia-China Construction Bank
Do I need to keep my bank card for the house payment?
It is best to pay the house payment by bank transfer, so that there will be a transaction record, which is more conducive to the inquiry and confirmation of the transaction.