; ? 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 This amount cannot be withdrawn or transferred, and is for your consumption only.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.