1. What are the conditions for a CCB pledge loan
CCB’s conditions are: 1. Aged between 18 years old (inclusive) and 60 years old (inclusive); 2. Good credit standing ; 3. Residents of Mainland China (excluding Hong Kong, Macao and Taiwan); 4. Customers holding CCB’s personal financial assets (including deposits, financial management, etc.). : The movable property or rights used as pledges must comply with the relevant provisions of the "Guarantee Law of the People's Republic of China". The pledger must enjoy the ownership or disposal rights of the pledged objects in accordance with the law and make a written commitment to the bank to provide pledge guarantee for the borrower. . If bank drafts, bank acceptance bills, checks, promissory notes, deposit certificates, treasury bills and other securities are pledged, the pledge rate shall not exceed 90%; if movables, legally transferable shares (stocks), commercial acceptance bills, and warehouse receipts are pledged, the pledge rate shall not exceed 90%. If the property is pledged, bills of lading, etc., the maximum pledge rate shall not exceed 70%; if other movables or rights are pledged, the maximum pledge rate shall not exceed 50%. If a pledge is adopted, the pledgor and the pledgee must sign a written pledge contract, which shall be terminated when the borrower repays all principal and interest of the loan; the lender shall not dispose of the pledged property without authorization before the expiration of the pledge period. During the pledge period, if the pledged property is damaged or lost, the lender shall bear the responsibility and be responsible for compensation. According to the types of pledges that China Construction Bank can currently handle for pledge loans, they include: local and foreign currency time deposits, electronic treasury bonds, personal financial products (excluding financial products issued by CCB Financial Management Company), large-denomination certificates of deposit, and insurance policies. The loan amount of a pledge loan is roughly between 1,000 yuan and 300,000 yuan. The specific interest rate is subject to the actual display on the application page. What is the term of CCB’s pledged loan: the maximum term of the credit limit shall not exceed 1 year (inclusive), and the credit expiration date shall not exceed the expiry date of the pledge. If multiple pledges are pledged, the expiration date of the credit limit shall not exceed the expiration date of the earliest-expired pledge. The maximum term of a single loan shall not exceed 12 months (inclusive), and the maturity date of a single loan shall not exceed the maturity date of the loan amount. Pledge loans can be used repeatedly within the validity period of the credit limit, and interest is calculated based on the actual amount and number of days used. All principal and interest of the loan must be paid off on the credit expiration date. It should be noted that if we use a financial product for pledge, the system will automatically freeze the debit card where the financial product is located. After freezing, we will not be able to handle deposits, withdrawals, repayments and other services. We can only wait for the loan to be settled. The debit card can be used normally.
2. What are the conditions for a loan of 100,000 yuan from China Construction Bank?
What conditions need to be met for a loan of 100,000 yuan from the bank? What are the procedures and conditions for bank loans? Commercial bank loan conditions are as follows:
1. The property that needs a bank loan must have a permanent residence or valid residence certificate, be over 18 years old and under 65 years old (inclusive), and have full civil conduct
p>2. Have a legitimate occupation and the ability to stabilize principal and interest.
3. Be a good person and never default on the contract overdue.
4. Be able to provide a legal, effective and reliable guarantee recognized by the bank
5. Have a clear purpose for the loan, and the purpose of the loan complies with relevant regulations.
6. Open a personal settlement account at the lending bank.
7. As stipulated by the bank
If you apply for a mortgage, pledge, or guaranteed loan, and you need to provide relevant assets to be mortgaged with valid assets, you must go through the mortgage registration and insurance procedures.
When everyone is short of money, I use no less than 10 loan products. To sum up, Baidu Finance) has money to spend. The reasons are as follows: 1. Compared with Jiebei and Weili The loan is invitation-only. If you have money to spend, you can apply for it. 2. The maximum amount of 2 has been received, which is already very easy to use; 3. It is a formal and large platform, so you don’t have to worry about routines;
4. Generally, the review of formal products is strict. Although it is easy to use, it is difficult to apply. The money is spent the same way, but I asked for the exclusive application channel from internal staff. The purchase rate is very high, so it can be regarded as a unique product. Since I have recommended it to everyone, I also offer the exclusive application channel for friends who need it. Just apply,
Just remember to use the quota on the same day, otherwise the quota may be withdrawn. This has happened to a friend before, so remember.
Du Xiaoman-If you have money to spend (second batch), click online to measure the amount
There is another one: 360 IOU is actually the anti-virus king Qihu 360 online loan platform, which mainly provides everyone with pure For credit loans, the amount is within 200,000 yuan, the usage period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform owned by a network security giant, 360 IOU is more reliable than ordinary platforms
360 IOU can borrow up to 200,000!
Click to measure the amount online
The third one: "Xinyidai is an unsecured RMB loan business for individuals for legitimate consumption or business purposes other than purchasing housing. The information is complete. Loans are disbursed in 1-3 working days.
The application threshold is low: you can apply if you have an average monthly income of more than 4,000 yuan (car loan, housing loan, provident fund, and insurance policy are best), the amount is suitable, and the repayment is flexible: The loan amount is RMB 10,000 to RMB 500,000; the loan term is 12 months, 24 months, or 36 months, and for high-quality industries, it can be up to 48 months.
Ping An Xinyi Dai click online. Amount measurement
The above content is for reference only and does not provide any loan advice. Online loans are risky, so be careful when choosing!
3. Information required for China Construction Bank’s housing mortgage loan What are the documents required for China Construction Bank’s housing mortgage loan?
(1) The original and copy of the borrower’s valid identity document;
( 2) Proof of local permanent residence or valid residence status
(3) Proof of borrower’s loan repayment ability, such as income certificate issued by the borrower’s employer, borrower’s tax bill, and insurance policy;
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(4) The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount, and the written document of the owner and property owner agreeing to the pledge and mortgage;
(5) The written document that the guarantor agrees to provide guarantee required for the borrower to obtain the guarantee amount;
(6) The guarantor’s credit certification materials;
(7) Social Evaluation report of the collateral issued by a recognized evaluation department;
(8) Other documents and information required by China Construction Bank.
4. How many days does it take for a CCB personal fixed deposit to be processed?
If you are applying for an online banking certificate of deposit, it can be completed in a few dozen minutes. You only need to bring your valid ID card and time deposit certificate, and you can get a loan of 90% of the deposit amount within a few minutes after opening a card and registering for online banking. .
If it were not for online banking, it would take about three days. You must provide your ID card, deposit receipt, fill out the application, and submit it for approval before the loan can be released. Currently, banks usually handle online banking, and other banks are similar, and there are no differences. Big, just different times.