Regulations on the use of consumer loans of China Construction Bank

Can CCB personal consumption loans be withdrawn? There is a way!

Consumer loans have a wide range of uses and can be used for marriage, decoration, travel, car purchase, shopping, education, medical care, etc., so there are many people applying for them. In fact, the financial industry has now subdivided loan products. Targeted products can be found for most uses, but many people want to take them out and use them. So can CCB personal consumption loans be used?

1. Types of Personal Consumption Loans of CCB

From a general point of view, CCB has a lot of consumer loans, including specialized consumer loans and online loans suitable for online users.

1. Personal consumption loans. Loans specifically issued to borrowers for specific consumption purposes for themselves and their families. Therefore, you must have a definite purpose before you can apply for this product, such as home decoration, car purchase, purchase of durable consumer goods, travel, marriage, education, etc., excluding house purchase.

2. CCB Quick Loan. "Quick Loan" is a full-process online self-service loan for individual customers of CCB. As long as the borrower has good credit and has business with CCB (such as saving money, purchasing financial management, treasury bonds, funds, etc., loans, salary payment, etc.), he will have the opportunity to obtain Quotas include Kuai e-loans, Kuai e-loans, pledge loans, car e-loans, and Wo e-loans.

2. Can CCB personal consumption loans be withdrawn?

You can swipe it out. If you are not dealing with designated third-party company business, the money can be freely withdrawn to the bank card for payment of consumption.

1. Banks will cooperate with third-party companies, such as decoration companies and travel companies. Borrowers applying for this type of consumer loans must spend money with designated companies and come to the bank to apply for loans with contracts or vouchers. The bank will The money is transferred to the company account and the borrower cannot withdraw it.

2. If it is not for a special purpose, the borrower can withdraw the money from the consumer loan to a bank card, such as Kuai e-loan, and use it freely, as long as it is not in areas expressly prohibited by banks and the state, such as buying a house or investing. Financial management, gambling, etc.

How to use CCB consumer loans

1. You must first have Alipay and open online banking with U-shield on your CCB card;

2. Log in to Alipay using a computer. Click "Recharge" on the balance and select "Online Banking" to pay;

3. Enter the amount. Next, the web page jumps to the official website of CCB to log in to online banking and select Quick Loan to pay. After the recharge is successful, you can withdraw it to your bank card. (Browser computer: macbookpromos14 opens Google version 92.0.4515.131)

1. What is CCB consumer loan?

Consumer loans of China Construction Bank are loans used for consumption, including car purchase, house decoration, travel, marriage, education, shopping, etc. It does not include the purchase of housing, stocks, futures, etc.

2. The application process for CCB consumer loans is:

1. Submit an application. The borrower applies for a loan at a CCB outlet, fills in the paper application form, and submits the materials:

2. Bank review. CCB will investigate the borrower's information and approve the loan

3. Sign the contract. If it passes the review, the borrower will sign a guarantee contract and a loan contract with CCB:

4. Complete the procedures. CCB will require notarization, mortgage and other procedures based on the borrower's situation

5. Loan disbursement. After completing the procedures, China Construction Bank will release the loan funds.

3. Application conditions for CCB consumer loans

1. The loan applicant is between 18 and 60 years old and has full capacity for civil conduct.

2. The loan applicant has a stable job and financial income, has a certain repayment ability, and can repay the loan on time.

3. The loan applicant has a clear consumption purpose of the loan, which can be used specifically for various consumer expenditures of individuals and their families (excluding the purchase of housing and commercial buildings), such as housing decoration, car purchase, Purchase of durable consumer goods, travel, wedding, education and other consumer purposes.

4. The loan applicant can provide a guarantee method approved by China Construction Bank.

5. The loan applicant has good credit and no bad behavior record.

6. The loan applicant agrees to other conditions required by CCB.

Four. CCB consumer loan limit

CCB’s consumer loan limit determines the specific loan limit based on personal conditions and the guarantee provided. Under normal circumstances, if a real estate is used as a mortgage, the loan limit shall not exceed 70% of the assessed value of the mortgage. If a credit or guarantee is used as a guarantee, the maximum personal loan limit shall not exceed 2 million yuan.

What are the uses of personal consumption loans?

The purpose of consumer loans does not mean that all consumption can apply for loans. The most common purchase of real estate, although it is also a consumer behavior, cannot apply for consumer loans. There are roughly three types of consumer loan uses.

First, buy large amounts of durable goods or luxury goods. For example, buying cars, home appliances, jewelry or gold, etc. This type of product can maintain value or be used for a long time, and you can usually apply for consumer loans.

Second, study abroad or travel. With the improvement of living standards, more and more friends choose to study abroad or travel abroad. In these situations, you can apply for a personal consumption loan.

Third, business needs.

At present, many micro-enterprises want to apply for corporate loans, but they are unable to meet the requirements of lending institutions. Then you can choose to apply for a personal consumption loan, which is also possible.

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Personal consumption loans refer to personal loans issued by banks to borrowers who apply to purchase "consumer goods or services for reasonable purposes". Comprehensive personal consumption loans refer to RMB-guaranteed loans issued by banks to borrowers that do not limit specific consumption purposes. Customers apply for loans from banks for "consumer goods or services for reasonable purposes". The main uses include consumer personal loans such as personal housing, cars, and general student loans.

The maximum loan period shall not exceed 20 years (taking personal housing mortgage loans as an example, commercial loans generally have a maximum period of 20 years); at the same time, a property mortgage, pledge or third party recognized by the lending bank must be provided Guarantee (some banks only accept mortgage or pledge) as a loan security condition.

Loan traps:

1. Among consumers who want to get loans based on price comparison, many of them choose banks based on the recommendations of intermediaries. In fact, there may be many bank loans to choose from, with lower interest rates and faster approvals.

2. Be aware of hidden fees. Credit cards are very convenient, and installment payment allows many people to realize their consumption dreams in advance. Many credit card holders often receive calls from bank customer service, asking whether a certain large purchase requires installment payment, and are given favorable conditions of "zero interest". However, zero interest does not mean zero cost, and there is no free lunch in the world.

3. Beware of overbearing clauses. It is common for car loans to be purchased. It is even more common for dealers to charge car loan processing fees. Bundling insurance has become an industry rule.

Baidu Encyclopedia of Personal Consumption Loans

What are the uses of comprehensive personal consumption loans?

1. Positive answers

The main ones are as follows.

2. Specific analysis

1. Purchase furniture and home appliances

For example, purchase TVs, refrigerators, sofas, beds, wardrobes, tables and chairs, air conditioners, water heaters, etc. etc., can also be used for home decoration.

2. Purchase a car

For consumer loans, it is possible to purchase a car, but it cannot be used to purchase a house.

3. For education

For example, studying abroad, re-education after employment, etc. Loan funds can be used to pay for tuition, accommodation, and living expenses.

4. For weddings

For example, if you hire a wedding company, hold a banquet, buy wedding clothes, buy jewelry, etc., if you have a lot of short-term expenses, you can apply for a consumer loan.

5. Travel

It can be domestic travel or overseas travel. The longer the planned travel, the greater the demand for consumer loans.

6. Medical aesthetics

Medical refers to various medical treatments such as colds, diseases, accidents, etc. Medical aesthetics generally refers to oral, eye, plastic surgery and other treatment operations.

7. Production and business purposes

For production and business purposes such as expanding factories, adding business equipment, purchasing raw materials, accounting turnover, etc., you can also apply for consumer loans if the demand is small.

8. Other daily consumption

Such as shopping and eating, buying food and cooking, buying clothes and shoes, paying water, electricity and gas bills, transportation and other basic expenses for daily life.

Note that consumer loans have clear prohibited uses, that is, they cannot be used for home purchase, investment, and other areas prohibited by law.

You should also pay attention to your personal credit and do not apply for loans blindly. Otherwise, once the big data is used, if you want to apply for a loan again, your comprehensive score will be insufficient and the loan will be rejected. You can get a big data report from Beijian Quick Check to clearly know your status in online loan big data. This database cooperates with more than 2,000 online loan platforms, and the data queried is relatively accurate and comprehensive.

3. What are consumer finance loans?

There are many consumer finance loans, such as commodity loans and consumer loans from Home Credit Consumer Finance, Anyihua from Immediate Consumer Finance, good-term loans from China Merchants Union Consumer Finance, and Youqianhua platform from Duxiaoman Financial Manyidai, Zunxiangdai, Suning Financial’s Wishfuldai, JD Finance’s gold bar loan, Ant Financial’s Jiebei, Lexin’s Fenqile, etc.

In addition, other consumer financial institutions also provide various 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, Happy Consumer Finance, etc.

As long as you pay more attention to maintaining good personal credit, there are no bad records in the credit report; and you can provide proof of stable income and have the ability to repay on time, you can generally borrow smoothly from the above-mentioned consumer financial institutions. Payment received.

Of course, if your credit is not good, you will not be able to borrow money for the time being.

It should also be noted that there are many unknown small loan platforms in the loan market. Although the application threshold is low, it is not recommended to borrow money because you 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!

Nowadays, many people plan to buy cars, and some vehicles on the market are relatively expensive. People often need loans to own their favorite cars. China Construction Bank has loans specifically suitable for car purchases.

Some users want to know, can CCB personal consumption loan be used to buy a car? Today we will give a brief introduction.

1. Can I buy a car with a CCB personal consumption loan?

Yes, because personal consumption loans have a wide range of uses. It is clearly stated on the CCB official website that they can be used for various consumer expenditures of individuals and their families (excluding the purchase of housing and commercial buildings). If available Suitable for various consumer purposes such as home decoration, car purchase, purchase of durable consumer goods, travel, wedding, education, etc.

So, if the borrower needs it, he can apply for a CCB personal consumption loan to purchase a vehicle.

2. What is the difference between CCB consumer loans and car loans?

Don’t forget, in addition to consumer loans, China Construction Bank also has a personal car loan, which is specifically used to purchase vehicles.

Introduction: Personal car loans refer to RMB loans issued by China Construction Bank to individuals for purchasing cars.

The difference between the two is:

1. Personal consumption loans include car purchases, and the funds can also be used for other consumption. Personal car loan funds, on the other hand, can only be used to purchase personal or commercial vehicles.

2. The guarantee methods are different. Personal consumption loans can use mortgages, guarantees, and credit methods, while personal car loans must be based on cars, plus guarantee institutions, natural person guarantees, performance guarantee insurance, etc.

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 the payment is quick. Personal car loans are suitable for users who only have down payment funds.

What are the uses of CCB decoration loans? You definitely didn’t know that last bit!

We all know that bank loans generally require earmarked funds. Even ordinary personal consumption loans have certain uses that are restricted, let alone special consumer loans such as study abroad loans and decoration loans. In terms of the purpose of the loan, there are even more checks at all levels, including limited types of merchants for credit card swiping. So what consumer projects can CCB’s renovation loans be used for? Let’s find out together.

1. Purchase of building materials for consumption

The purchase of building materials for decoration is definitely needed. As a decoration loan, the money can be used to purchase decoration and building materials, including hardware, curtains, flowers, etc.

2. Purchase furniture and home appliances

In addition to hard furnishings, soft furnishings and home appliances are also a large expenditure in decoration. Decoration loans can also be used to purchase home appliances and furniture.

3. Decoration company

If it is a full-inclusive or half-inclusive decoration agreement signed with the decoration company, the decoration loan can be used to pay the decoration company. It is recommended to choose a large loan. A small decoration company.

4. Online purchase and payment

Many people think that decoration loans can only be swiped by credit card in offline stores. In fact, it can also be used to pay for online shopping. For example, it can support purchases at JD.com. Decorate related items, and then pay by swiping your card upon arrival.

Regarding "What are the uses of CCB decoration loans?" here we introduce 4 major categories. Of course, it does not only include these. In fact, as long as it is related to decoration, it can be used, but it must belong to Among the merchant types specified by China Construction Bank, transfers and cash withdrawals cannot be used. It is recommended that you consult customer service to understand clearly before using it.

This concludes the introduction to CCB consumer loan usage regulations and CCB consumer loan. Have you found the information you need?