China Construction Bank's Longka Loan Bar is a pure credit loan launched by users with credit cards. If the user does not have a CCB credit card, he must apply for one before applying. This loan and credit card limit is unnecessary, and the specific limit can be determined according to the comprehensive information of the user.
To apply for a credit card of China Construction Bank, you must be over 18 years old, and your credit card has not expired, and your personal credit must be good. If your credit information is not good, then the applicant cannot apply for a loan. You can apply through the mobile banking app when applying.
After borrowing money, CCB will generate an independent bill for everyone to repay, but it is recommended that you spend a certain amount according to your personal income when using it, and it is best not to exceed your personal burden, otherwise there will be a relatively large repayment burden in the later period, and if you repay the loan overdue, it will also affect your personal credit information.
After the user applies for a Longka loan, the result will usually be given in a short time. If the application is already under review after submission, you can contact customer service at this time and ask why it was not passed. If approved, a message will be sent to inform the user that the quota can be used after it is available.
Can CCB credit cards be used for loans?
How much can CCB credit card loan borrow?
CCB's credit card does not provide loan function, but there are two large-scale installments similar to loans, one is car purchase installment, and the other is house purchase installment. These two businesses are that CCB adds a sum of money to your credit card limit to buy a car or decorate a house, and then pays back the credit card in installments. However, this money can only be used on the special installment POS machines of merchants cooperating with CCB, and the general POS machines cannot be used.
According to the actual situation of the landlord, the amount of large installment is generally not more than 200 thousand.
If the landlord has other questions, you can ask.
Is the credit card of China Construction Bank OK?
Credit card has no loan function, but at present, CCB has large-scale special installment business for car purchase and home improvement. On the basis of the original credit card limit, give customers a special installment limit for car purchase or home improvement. However, there is no way to take out this quota, and it can only be used by stages in the cooperative merchants designated by his family. For business details, the landlord can go to the credit card homepage of CCB to get a general understanding.
If the landlord needs cash, his family also has a business called cash installment, but the amount should be within the credit card limit. Introduce to the landlord:
Cash installment: You can pay a sum of cash from your credit line to your savings card in CCB, and take it out from the savings card and return it to the bank every month. The advantage of this business is that it is not restricted by POS card swiping and can be traded in cash.
Processing time: there is no specific limit.
Processing amount: For 500 yuan, it must be an integer multiple of 65,438+000 yuan, and the maximum amount shall not exceed the available limit of your credit card (excluding overpayment and temporary limit), and the total amount shall not exceed 50,000 yuan.
Handling channels: his credit card home page, cash installment business introduction page or CCB outlets.
Installment fee: I cut the following picture for the landlord in official website, so the landlord can have a look.
For example, suppose the landlord's billing date is 5th of each month, and the due repayment date is 20th of the billing date, that is, the credit line of the landlord's credit card is 10000 yuan on 25th of each month, the current available line is 6000 yuan, and the cash installment is 5000 yuan on June 6th, with 6 installments. Installment principal =5000/6=833.33 yuan, installment fee =50000.75%=37.5, installment repayment =833.3337.5=870.83 (paid before 7/5 of the bill).
The above generally introduces the cash installment business to the landlord, but it still depends on the actual situation of the landlord.
Can CCB credit card handle loans?
Now CCB has launched the cash installment business, which is to transfer all your credit card quotas to your savings card for you to use cash. Only need to pay the handling fee, no interest. The first period is one month, generally divided into three periods, six periods, one year and two years. The handling fee for the third phase is 85 yuan per 10,000 yuan, and the others are 75 yuan per 10,000 yuan. The handling fee is charged monthly. You can go to the outlet with your ID card, savings card or credit card, or you can go through online banking or mobile banking.
Which cars can CCB credit card loan?
CCB credit card has car installment business. You can log on to Credit Card official website-Home-Installment-Car Installment-and see if there are any brands and models you like. After applying for car installment, you should pay the down payment in proportion first, and then CCB will give you a special amount to pay the final payment, and then you can repay it to your credit card in installments, with no interest and a certain percentage of handling fee. The most important thing is to avoid mortgage. The process is as follows:
(1) The customer first selects a car at the dealer and tests it, and negotiates with the dealer to determine the purchase price;
(2) Show your credit card and ID card, and fill in the installment payment application form;
(3) Distributor submits customer application materials to CCB;
(4) After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities;
⑤ After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car;
⑥ Repay by monthly installments through Longka credit card.
Can I apply for a loan at CCB with CCB credit card? What are the procedures?
CCB Credit Card can directly apply for car purchase installment, home improvement installment and cash installment. If you want to apply for other mortgages, you need to apply at CCB outlets, which is not directly related to CCB credit cards. As long as the CCB credit card has no overdue record, it will generally not affect the loan application.
Can CCB credit card apply for a loan at the counter?
Only credit cards can't be processed. When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc.
3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
4. Other information stipulated by the bank.
Can CCB credit cards be used for loans?
CCB's credit card provides loan functions, similar to loan period, car purchase period and housing period. These two businesses are financed by CCB, and then another sum of money is used to buy a car or decorate a house faster. Credit card money can be used as a POS machine for CCB partners to swipe their cards in special periods.
According to the actual situation of the landlord, the deadline quota should be as high as 200,000.
Can CCB credit cards be used for loans? 5 points
Sure,
1, you can use a credit card to spend directly, and then apply for a single installment or bill installment;
2. You can apply for cash installment (equivalent to a loan) or borrow cash from ATM directly by credit card;
I have a CCB credit card. Can I get a loan?
The credit card itself is short-term, with a low quota, and the time is generally within two months. If the credit card can't meet your needs, then you can only apply for a loan.
Conditions for banks to apply for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information, no bad records, and legal use of the loan;
Other conditions stipulated by the bank.
Can I get a loan from China Construction Bank's credit card?
The credit card itself has a limit, and you can overdraw within the limit provided by the bank.
As far as I know, CCB's credit card provides partial installment services, and additional overdraft limits will be approved for the purchase of designated installment products, such as car purchase installment and housing installment.
"Car purchase by installment with dragon card: refers to the cardholder's application for using his dragon card (excluding business card, student card, supplementary card and security card) to buy a family car at the dealer designated by our bank when he agrees to pay the down payment (the down payment is the net car price minus the approved amount). After the approval of our bank, the actual installment amount will be divided into several installments on average, and the cardholder will repay the money monthly within the agreed time limit and pay a certain handling fee. "
"Dragon Card Installment Payment Service" (referred to as "Installment Payment" for short) refers to the business in which the cardholder applies to use his Dragon Card (except business card, student card, supplementary card and security card) to purchase goods or services at the settlement merchant designated by our bank, and after the approval of our bank, the cardholder pays the settlement money at the settlement merchant designated by our bank through a special installment POS machine, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays and pays a certain amount every month within the agreed time limit.
Neither of these two installment businesses can get cash directly. If you really need it, you can consider applying, which is equivalent to giving you a loan to buy a car or decorate it, and pay it back slowly every month.
What are the credit card installment loans of CCB? Introduction of four kinds of installment loans
China Construction Bank has always enjoyed a good reputation. People will take China Construction Bank as one of their choices whether they apply for a credit card or apply for a loan business, and there are many types of credit card installment loans from China Construction Bank. Then, what are the credit card installment loans of CCB?
First of all, China Construction Bank will pass in stages.
CCB installment is mainly used for loans to buy large durable consumer goods, weddings, child care, settlement, tax payment, health and so on. It is widely used, covering all aspects of food, clothing, housing and transportation. It has a special credit line with a maximum of 6,543,800 yuan+0.5 million yuan. The handling fee rate is favorable, and the longest installment is 36.
Second, the decoration stage of Longka Credit Card
Longka credit card decoration by stages is mainly used for home decoration and home appliances. The maximum loan amount can reach 654.38+0 million, which can be divided into 48 periods at the longest, with no mortgage guarantee and zero interest rate concessions. For more information, please click here for details.
Third, Longka buys cars by stages
Longka car installment is mainly used for customers to buy private cars. Its exclusive quota can reach up to 500,000 yuan, and the cost is favorable. You can enjoy zero handling fee at most, flexible in stages, and the longest repayment period is 48 months. New card customers can also apply.
Fourth, CCB's fast loan.
CCB Express Loan is a "quick loan", which is a full-process online self-help loan for individual customers of CCB. Customers can complete loans online through electronic channels of CCB, including real-time application, loan approval, contract signing, withdrawal and repayment. Including fast e-loan, financing e-loan, pledge loan, etc.
Among them, the maximum amount of fast e-loan is 300,000, and the longest loan period is 1 year, which can be recycled. E The maximum loan amount is 5 million yuan, and the loan period is 5 years, which can be recycled. The maximum amount of pledged loan is 3 million yuan, and the longest loan period is 1 year, which can be recycled.
The above is the summary of credit card installment loan of CCB. CCB's credit card installment loans are rich in varieties, which can meet the various needs of customers. Friends who want to apply for installment loans in CCB can refer to the above contents and choose according to their own needs.
Can CCB credit cards be used for loans?
CCB credit cards can be used for loans. Credit card holders of CCB can apply for loans in cash installments. Cash installment business is a pure credit personal business. Through this business, cardholders can make large purchases with credit cards and then repay them in installments. For example, if you decorate or buy a car, you can apply for cash installment. After the application is successful, CCB will lend you a special amount of credit card for you to swipe your card.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
Interest:
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
The calculation example shows that:
Suppose your bookkeeping date is 17 of a month, and the due repayment date (for example, the 30th of a month) is 17 of the next month (if the month is 3 1 day, it is 16 of the next month, and the year and month are calculated accordingly).
If you spend 65,438+00,000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, the longest interest-free period for this consumption is 23 days.
If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. Since the consumption amount should be recorded on May 65, 438+07, there are still 50 days before the due repayment date on June 6, and the longest interest-free period of this consumption is 50.
During the cycle turnover:
Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the amount in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.
Interest calculation of revolving credit:
The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest. The interest on the revolving loan will be stated in the next bill.
The calculation example shows that:
Suppose your bookkeeping date is the 7th of each month and the due repayment date is the 27th of each month. If you spent 10000 yuan on March 20, and this amount was credited to your credit card account on March 23 (that is, the billing date), then on April 7, your statement will list: the total repayment amount in this period is 10000 yuan, and the minimum repayment amount is 1000 yuan. If no other transactions were recorded between April 8 and May 7, you paid the minimum repayment amount of 1 000 yuan on April 27, and the bill on May 7 will include the unpaid part of the consumption amount of 9000 yuan and interest of 225 yuan.
How to borrow a credit card loan from CCB?
1. On the mobile phone desktop, open the CCB app.
2. Open the CCB app and click the place indicated by the arrow in the upper left corner of the page.
3. Next, click Login.
4. After logging in, click the micro quick loan indicated by the arrow.
5. On the subsequent page, select the loan to be processed, and then click Apply.