Can I swipe out a CCB personal consumer loan? There are ways!
Consumer loans have a wide range of uses, can be used for marriage, decoration, travel, car purchase, shopping, education, medical care and so on, so the application of a very large number of people, in fact, now the financial industry has been subdivided into loan products, the vast majority of the use of the product can be found in the targeted products, but there are a lot of people want to take out and use it, so the CCB personal consumption loans can be brushed out?
A, CCB personal consumption loan type
From the point of view, the construction bank under the consumer loan is very much, there are specialized consumer loans, but also for online users of online loans.
1, personal consumption loans. Loans that are specifically issued to borrowers for their own and their families' definite consumption purposes. So there must be a definite purpose before you can apply for this product, such as housing renovation, car purchase, purchase of consumer durables, travel, wedding, education, etc., excluding the purchase of a house.
2. CCB Express Loan. The "fast loan" is a full-process online self-service loan for CCB personal customers. As long as the borrower has good credit and has business with CCB (such as saving money, purchasing wealth management, treasury bonds, funds, etc., loans, payroll, etc.), he or she will have the opportunity to obtain a line of credit, including the fast e-loan, the fast e-credit, the pledge loan, the car e-loan, the Wo e-credit.
Two, CCB personal consumer loans can be brushed out?
You can brush it out, and if you are not dealing with a designated third-party company, the money can be freely withdrawn to your bank card and used to make consumer payments.
1, the bank will have cooperation with third-party companies, such as decoration companies, travel companies, the borrower for this type of consumer loans, you must spend in the designated company, with a contract or voucher to the bank to apply for a loan, the bank will call the money to the company's account, the borrower can not brush out.
2, if it is not a special purpose, then the borrower can withdraw the money from the consumer loan to the bank card, such as fast e loan, free to use, as long as it is not the bank and the state expressly prohibited areas, such as buying a house, investment and finance, gambling and so on.
CBC consumer loans how to use
1, to first have Alipay, CCB card open U shield Internet banking;
2, with a computer log on to Alipay, click on the balance of the "recharge", select " online banking" payment;
3, enter the amount, the next step, the page jumped to the CCB official website to log on to the Internet banking, select the fast loan payment. After successful recharge, withdraw to the bank card can be. (Browser computer side: macbookpromos14 open google version 92.0.4515.131)
I. What is the CCB consumer loan?
Construction Bank's Consumer Loan is a loan for consumption, which includes car purchase, home renovation, traveling, marriage, education, shopping and so on. It does not include the purchase of housing, stocks, futures and other uses.
II. The process of CCB consumer loans is:
1. Application. The borrower goes to a CCB branch to make a loan application, fill out a paper application form and submit materials:
2. Bank review. CCB will investigate the borrower's information and approve the loan
3, sign the contract. If passed the audit, the borrower and CCB signed a guarantee contract, loan contract:
4, procedures. CCB will ask for notarization, mortgage and other formalities according to the borrower's situation
5, loan disbursement. After the formalities, CCB will release the loan funds.
Three. Construction Bank consumer loan application conditions
1, the applicant's age between 18-60 years old, with full capacity for civil behavior.
2. The applicant has a stable job and financial income, has a certain repayment ability, and is able to repay on time.
3. The applicant has a clear purpose for the loan, which can be used for all kinds of consumption expenditures of the individual and his family (excluding the purchase of housing and commercial premises), such as housing renovation, purchase of cars, purchase of consumer durables, travel, marriage, education and other kinds of consumption purposes.
4. The applicant can provide a form of guarantee recognized by CCB.
5. The applicant has good credit and no record of bad behavior.
6. The applicant agrees to other conditions required by CCB.
Four. The amount of CCB's consumer loan
The amount of CCB's consumer loan is based on the conditions of the individual and the security provided to determine the exact amount of the loan. In general, if the property as collateral, the loan amount does not exceed 70% of the appraised value of the collateral, if the credit or guarantee as a guarantee, the individual maximum loan amount can not exceed 2 million yuan.
What are the uses of a consumer loan?
The use of consumer loans does not mean that all consumption can apply for a loan, the most common acquisition of real estate, although it is also a kind of consumer behavior, but can not apply for consumer loans. There are three broad uses for consumer loans.
First, the purchase of large amounts of durable goods or luxury goods. For example, the purchase of cars, home appliances, jewelry or gold and so on. All of these products can retain their value or be used for a long period of time, so you can usually apply for a consumer loan.
Second, study or travel. With the improvement of living standards, more and more friends choose to study abroad or foreign travel. These are all situations where you can apply for a personal consumption loan.
Third, business needs. At present, many small and medium-sized enterprises want to apply for business loans, but can not meet the requirements of the lending institutions. Then you can choose to apply for a personal consumption loan, which is also possible.
:
Personal consumption loan is a personal loan issued by the bank to the borrower who applies for the purchase of "reasonable use of consumer goods or services". Personal Consumer Loan is a RMB secured loan issued by a bank to a borrower without limiting the specific purpose of consumption. Customers apply for loans from the bank for "reasonable use of consumer goods or services", which are mainly used for personal housing, automobiles, general student loans and other consumer personal loans.
The maximum term of the loan is 20 years (in the case of a personal housing mortgage, for example, the maximum term of a commercial loan is generally 20 years), and the loan must be secured by a mortgage, pledge, or third-party guarantee of the property recognized by the lending bank (some banks will only accept mortgages or pledges).
Loan traps:
1. Loan more than price quasi-loan loan consumers, many people are listening to intermediary recommendations to choose the bank. In fact, there may be many more bank loans available with lower interest rates and faster approvals.
2. Watch out for invisible fees credit card is very convenient, installment is to let a lot of people in advance to realize the dream of consumption. Many credit card holders often receive phone calls from bank customer service, asking whether a large amount of consumption needs to be paid in installments, and giving "zero interest" generous conditions. However, zero interest does not mean zero cost, there is no free lunch.
3. Beware of overbearing terms and conditions, car loans are very common, dealers charge a car loan fee is more common, bundled sales of insurance has become an industry rule.
Personal Consumer Loan Baidu Encyclopedia
What are the uses of a comprehensive personal consumer loan?
I. Positive answers
The main ones are as follows.
Two, specific analysis
1, the purchase of furniture and appliances
such as the purchase of TVs, refrigerators, sofas, beds, closets, tables and chairs, air conditioning, water heaters and so on, can also be used for home improvement.
2. Purchase of automobiles
Consumer loan uses for the purchase of automobiles are allowed, but not for the purchase of homes.
3.For education
For example, for studying abroad and re-education after employment, the loan funds can be used to pay tuition fees, accommodation fees and living expenses.
4, for marriage
such as hiring a wedding company, setting up a banquet, buying wedding clothes, buying jewelry, etc., a lot of short-term expenses, you can apply for consumer loans.
5, travel
Can be domestic travel, can also be foreign travel, the longer the planned travel, the greater the demand for consumer loans funds.
6, medical medical
Medical refers to colds, diseases, accidents and other kinds of medical treatment, medical generally refers to the oral cavity, eyes, plastic surgery and other aspects of treatment surgery.
7, production and business purposes
such as expanding the plant, add business equipment, purchase of raw materials, accounts turnover and other production and business purposes, the demand for small can also apply for consumer loans.
8, other daily consumption
such as shopping and eating, cooking, buying clothes and shoes, paying utility bills, transportation and other basic costs of daily life.
Note that there are clear prohibited uses for consumer loans, i.e., they may not be used for home purchase, investment, and other areas prohibited by law.
We should also pay attention to our personal credit in general, and not apply for loans blindly, or once the big data is spent, if we want to apply for a loan again, we will be denied a loan due to insufficient comprehensive scores. You can get a big data report in Bei Tip Quick Check to clearly know your status in terms of online lending big data. The database works with more than 2,000 online lending platforms, and the query is still accurate and comprehensive.
Three, what are the consumer finance loans?
There are a lot of consumer finance loans, such as Jiexin Consumer Finance's merchandise loan, consumer loan, Immediately Consumer Finance's Easy Flower, Zhaolian Consumer Finance's Good Term Loan, Duxiaoman Finance's Rich Flower Platform's Full Easy Loan, Zunxian Loan, Suning Finance's Renxin Loan, Jingdong Finance's Gold Bar Borrowing, as well as ants' Chanting and Credit Union's Installment Music, and so on.
Besides, other consumer financial institutions also provide various types of credit consumer loans to, Zhongyuan Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Changyin Consumer Finance, Huarong Consumer Finance, Hangyin Consumer Finance, Jinshang Consumer Finance, Shengyin Consumer Finance, Happiness Consumer Finance and so on.
And as long as you pay attention to maintaining good credit, no bad records in your credit report, and can provide proof of a stable income and the ability to repay your loan on time, you will be able to successfully borrow money from the above mentioned consumer financial institutions.
Of course, if your credit is bad, you won't be able to borrow money for a while.
It is also important to note that there are a number of unknown microfinance platforms in the lending market, which have a low application threshold but are not recommended to borrow money because they do not hold a financial license.
Can I buy a car with a CCB personal consumption loan? Find out before you take out a loan!
Now a lot of people intend to purchase a car, and some vehicles on the market are more expensive, people often need to resort to loans in order to have these desired cars, the construction bank under the banner of a loan specifically suitable for the purchase of cars. Some users want to know, construction bank personal consumption loan can purchase a car? Today we will briefly introduce.
A, construction bank personal consumption loan can purchase a car?
Yes, because the use of personal consumption loans is very wide, in the CCB official website is clearly written, can be used for individuals and their families of all kinds of consumer spending (excluding the purchase of housing and commercial premises), such as can be used for housing renovation, purchase of a car, the purchase of consumer durables, travel, marriage, education and other types of consumer purposes.
So, if the borrower has the need, he can apply for a CCB personal consumption loan for the purchase of a vehicle.
Two, what is the difference between CCB consumer loans and auto loans?
Don't forget that in addition to consumer loans, CCB has a personal auto loan that is specifically for the purchase of vehicles.
Introduction: Personal auto loans are RMB loans issued by China Construction Bank to individuals for the purchase of automobiles.
The difference between the two is:
1. Personal consumption loans include the purchase of a car, and the funds can also be used for other aspects of consumption. While personal auto loan funds can only be used for the purchase of personal vehicles or commercial vehicles.
2, the guarantee is different. Personal consumer loans can be collateralized, guaranteed, credit, while personal auto loans must be based on the car, plus guarantee agencies, natural person guarantees, performance guarantee insurance and so on.
In short, if you have less money to buy a vehicle, you can try to apply for a CCB personal consumption loan to make up the difference, the process is simple and fast payment, while the personal auto loan is suitable for users who only have down payment funds.
What are the uses of CCB renovation loans? The last point you certainly do not know!
We all know that the bank's loans, generally require earmarking. Even the usual personal consumption loans, there are some uses will be restricted, let alone like study loans, decoration loans a kind of special consumer loans. In terms of the use of the loan is to do a layer of control, including swiping cards have a limited type of merchants, etc.. So what kind of consumer items can be used for a renovation loan from CCB? We come together to understand.
1, the purchase of building materials consumption
Decoration of building materials purchase is a certain need, as a renovation loan, the money can be used to buy decoration building materials, including hardware, curtains, flowers, etc.
2, the purchase of furniture and appliances
In addition to the hard furnishings, soft furnishings furniture and appliances is a large part of the expenditure in the renovation, the renovation loan can be used to go to buy appliances and furniture at home. The loan can also be used to buy home appliances and furniture, etc.
3, decoration company
If you sign a full or half package decoration agreement with a decoration company, the decoration loan can be used to pay the decoration company, it is recommended to choose a larger decoration company.
4, online purchase payment
Many people think that the renovation loan can only be offline stores to swipe the card, in fact, can also be used to pay for online shopping, for example, you can support the purchase of objects related to the renovation of the Jingdong Mall, and then use the arrival of the card payment can be.
On the "CCB renovation loan use what" here for you to introduce the 4 categories, of course, not only include these, in fact, as long as it is related to the renovation, are available, but to belong to the type of merchant in the provisions of the CCB, in addition to the transfer and cash withdrawals can not be used, it is recommended that you use, first, consult the customer service to understand clearly. The company's website is a good place to find out more about the company's services.
About the CCB consumer loan use regulations and CCB loan consumer loan introduction to this end, I do not know that you find the information you need from it?