What are the conditions for CCB's personal loan?

1. What are the requirements for CCB's personal loan?

Personal loan conditions of CCB: 1. Quick loan. You can apply if you meet any of the following conditions: 1 You applied for a housing loan in China Construction Bank, and you haven't paid it off yet. 2. CCB has deposits, treasury bonds and wealth management products. 3. The applicant is a private bank customer of China Construction Bank. 2. Personal housing loan: 1. China citizens with full capacity for civil conduct, overseas and foreigners with the right of abode; 2. Guarantee methods recognized by CCB can be provided; 3, have a certain repayment ability, and have the down payment funds for buying a house. 3. Personal car loan: 1, aged between 18-60 (inclusive); 2. It is used to buy a car. If it is a self-use car, there must be a minimum down payment of 20%; Commercial vehicles, the minimum down payment is 30%; 3. Guarantee measures approved by China Construction Bank shall be provided. 4. Personal consumption line loan: 1, and the applicant is between 18 and 60 years old; 2. The loan is clearly used for personal and family consumption; 3. The applicant must choose one of the three ways of guarantee: mortgage, guarantee and credit; 4. Have good credit and the ability to repay loans. For more information about personal loan requirements of China Construction Bank, please visit:/ask/B8B4411616092032.html? Zd view more content

2. What are the conditions for CCB's personal loan?

CCB personal loan conditions:

First, fast loans can be applied if any of the following conditions are met:

1. I applied for a housing loan at CCB, and I haven't paid it off yet.

2. CCB has deposits, treasury bonds and wealth management products.

3. The applicant is a private bank customer of China Construction Bank.

Second, individual housing loans:

1, China citizens with full capacity for civil conduct, overseas and foreigners with the right of abode;

2. Guarantee methods recognized by CCB can be provided;

3, have a certain repayment ability, and have the down payment funds for buying a house.

Three, personal car loans:

1, aged between eighteen and sixty (inclusive);

2. It is used to buy a car. If it is a self-use car, there must be a minimum down payment of 20%; Commercial vehicles, the minimum down payment is 30%;

3. Guarantee measures approved by China Construction Bank shall be provided.

Four, personal consumption loans:

1. The applicant is between 18 and 60 years old;

2. The loan is clearly used for personal and family consumption;

3. The applicant must choose one of the three ways of guarantee: mortgage, guarantee and credit;

4. Have good credit and the ability to repay loans.

3. What are the conditions for an individual to apply for a mortgage in CCB?

1. Applicants for personal mortgage must be China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.

2. The maximum amount of personal mortgage loan is 70% of the total price or evaluation value of the house purchased.

3. The loan term of personal mortgage loan cannot exceed 30 years.

4. Personal mortgage loans are only used for individuals to buy, build and overhaul houses in Chinese mainland cities and towns.

5. Information to be submitted for personal mortgage loan:

(1) ID card;

(2) Proof of the borrower's repayment ability;

(3) Legal and effective purchase (construction or overhaul) contracts, agreements or (and) other approval documents;

(4) proof of down payment;

(5) loan guarantee materials;

(6) Other documents and materials required by the lending bank.

Extended data:

Personal mortgage loan processing flow

1. loan application: the customer fills in and submits the application form and application materials designated by CCB.

2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.

3. Loan approval: CCB approves loans.

4. Signing: After the customer's loan is approved, sign a loan contract with CCB.

5. Loan issuance: CCB will issue loans after meeting the requirements.

6. Customer repayment: the customer repays the loan on time as agreed.

7. loan settlement.

Official Website of China Construction Bank-Personal Housing Loan