; ? When many card friends apply for installment, they will find that the actual approval amount is not as high as the pre-approval amount, and even the pre-approval amount is clearly given but the application is rejected, which is puzzling. In fact, the pre-approval quota is only a reference quota, and the specific quota is mainly approved by the bank. Let's introduce the installment pre-approval quota to you. What's the use? Can I withdraw cash? Let's get to know each other.

What is the pre-approval amount of CCB by stages?

He is a mortgage customer of CCB, and often receives installment invitation messages from CCB. The text message said that he could apply for an installment loan of 6.5438+0.5 million yuan with his ID card, and the funds would arrive on the same day as soon as possible, and the handling fee was only one month. I really thought I could get a loan of 1.5 million, but I went to CCB and was told that I could only get a loan of 50 thousand.

The amount in the SMS is only the pre-approval amount, not the loanable amount, and the maximum amount will not exceed this pre-approval amount after the final review. However, there are also many people whose approval quota is much lower than that of pre-approval, or even unable to approve.

How to use the pre-approval quota of CCB by stages?

The pre-approval quota of CCB installment is only an evaluation quota and cannot be used. Only after you submit your application at CCB outlets will the bank approve it, and the amount given in the audit result is the final consumption amount you can use. This amount cannot be withdrawn or transferred, and is for your consumption only.

After the bank approves the installment plan for you, it will also issue a special debit card and an installment credit card. The amount applied for is a debit card, which can be used to charge the designated merchants. When swiping a card, you need to pay attention to several matters:

1, which can only be used in consumer businesses such as department stores, building materials and homes, high-star hotels and high-end restaurants;

2. Only large-scale durable consumer goods, weddings, child care, home installation (rent, property, heating costs, etc.). ), tax payment (vehicle purchase tax, etc. ), health and other consumption can be carried out.

The above is "How to use the installment pre-approval quota of CCB?" In short, the installment pre-approval quota is only a reference quota, not an available quota, so if there is a pre-approval quota but the actual quota is low, or it is directly rejected, don't be too disappointed. The bank father is the real decision maker.

How to use the pre-approval quota of CCB housing finance? Don't waste it

; ? Banks will compete with each other at present. In the previous article, we have introduced the special products such as ABC and ICBC, including product advantages and operation methods. Today, I will briefly discuss with you how to use the pre-approval quota of CCB housing finance.

1. What is the pre-approval amount of CCB's housing finance?

Enter the "pre-approval quota" in official website, China Construction Bank to introduce this product in detail. Generally speaking, this product is aimed at the special consumption of users, such as car purchase, decoration and other large expenditures.

Second, how to use the pre-approval quota of CCB housing finance?

As mentioned above, what is given now is only a pre-approval. If users need this money, they can bring their own and their spouses' ID cards, credit cards and contact numbers, and fill in the information and take photos under the guidance of the staff at the branch counter to apply.

This product will not affect the fixed amount of users' credit cards. This can ensure that the cardholder can be used for decoration, training, travel, home appliances and so on. , and can be used in designated CCB staging merchants. Of course, someone asked, this product is special and exclusive, and there is no corresponding demand for the time being. Can you set a quota? According to the feedback, tx

The chance of success is very small, and it doesn't conform to the law. Don't touch it.

The above is about the use of pre-approval quota for housing finance. These advantages are still obvious, no guarantee, no mortgage, and fast repayment channels. Please try it quickly if necessary.

How to use the pre-approval quota of CCB housing finance?

CCB will pre-approve a special installment quota for customers, which can be used to handle CCB's special installment, such as car purchase installment, decoration installment and installment. Specific suggestions can go to the local CCB outlets for detailed consultation.

The pre-approval quota of CCB will not be approved next time. After receiving the customer's application, the bank will make a comprehensive score according to the information provided by everyone. It is impossible to judge whether the application can be successful now. If necessary, you can provide financial proof in your own name when applying, such as real estate or automobile production, which is helpful for credit card and line review. After the credit card is approved, there will be a message prompt. After receiving the message, you can check the credit limit again. SMS is the most convenient. Use the mobile phone number reserved when handling the card, and send "the last four digits of the card number 3 13#" to 95533 to inquire about the available credit limit and available cash limit of the card.

Query method of pre-approval quota:

1. Download on mobile phone: China Construction Bank APP；;

2. Log in with your mobile phone number of China Construction Bank and open mobile banking. If it is the first time to log in, you can log in with your ID card or directly use your bank card.

3. Click "Credit Card" at the bottom of the screen, and then slide down to find "Credit Card Management". Slide to the second page to view the pre-approval amount;

4. Click on the pre-approval quota to find out if you have a quota.

For more information on how to use the pre-approval limit of CCB's housing finance, please visit: See More.

Can CCB withdraw the pre-trial amount of housing finance? The answer is obvious!

; ? China Construction Bank's Anju Finance is a designated consumer product, and users can only make clearly marked consumption in fixed merchants, such as car purchase, decoration and tourism. So, can users who have no relevant needs take out their money? People often ask this question: Can CCB withdraw the pre-trial amount of housing finance? So I'll talk to you briefly today.

1. Can the pre-trial amount of housing finance of CCB be withdrawn?

First of all, whether it's a credit card tx

Or flowers, Texas

There are risks, from control after typhoon to breaking the law in serious cases, so it is conceivable that,

The pre-trial amount of housing finance is definitely not allowed to be withdrawn.

However, it is understood that you can apply to the bank for withdrawal, which is about 30% of the total amount of approval, and the upper limit is 50,000.

Second, tx

Consequences of

As mentioned above, Anju Finance can't withdraw cash, but some people still find a merchant privately, swipe a certain amount on the merchant's POS machine, and then the merchant transfers the money to the user. Although this situation is feasible, unless the other party is an acquaintance, you have to pay a large service fee, sometimes even as high as tx.

More than 20% of the amount.

Other tx

It's better not to try. On the one hand, the capital utilization rate is not enough. Obviously, it is 10000 yuan, and the tx to be paid is removed.

Apart from the service charge, you may only get seven or eight thousand, which you have done many times.

It is only a matter of time before it is controlled by the wind, and it will be even harder to use money then.

Having said that, I hope you can use banking products in a standardized way, and don't lose more than you gain because of your own mistakes.