1. Amount: up to 300,000 yuan;

2. Loan interest rate: 0.3%-0.4% per month.

3. Loan term: up to 5 years;

4. Repayment method: equal principal and interest;

5. Term: 60 periods;

6. Applicant's age: 22-55 years old;

7. Application materials: original ID card;

Access conditions (reference)

1. CCB mortgage customers, normal repayment 1 year;

2. Provident fund customers of enterprises and institutions;

3. CCB pays payroll customers, pre-approved customers on the stock white list, and high-rated and high-star customers;

4. CCB civil servants, famous school card customers and party fee cloud platform customers;

5. CCB customers who have been settled by special installments and customers who have not been settled by special installments;

6. Customers who have held CCB credit cards for more than half a year;

Credit reporting requirements (reference)

Credit reporting requirements:

There are no more than 3 credit card institutions;

The amount of credit card used in the last 6 months shall not exceed 60% of the total credit line;

The three-month utilization rate of CCB's credit card limit cannot exceed 70% of the total amount;

Historical overdue shall not be M2 or above;

The credit loan shall not exceed 65,438+500,000.

Access area

Country visit area:

Matters needing attention

After receiving the short message that CCB has successfully approved by stages, you need to log in to mobile banking again and choose to confirm the withdrawal independently. After confirmation, CCB will mail the installment card to the applicant.

Tips on Frequently Asked Questions in Handling Installment Payment in Mobile Banking

1. If you apply for two installments, if the first installment is not settled, the amount of the second application will overwrite the original amount, and the amount of the first application and the installment card will be invalid.

2. When applying for installment subscription, the mobile banking prompts that the email format is incorrect. First of all, make sure that the characters entered have no spaces and are English input methods. If the prompt format is still incorrect, you can try the format input of mobile phone number163.com.

3. The current installment fee is 0.4%/ month. Please fill in the organization number according to the guidance of our marketing staff to ensure the progress of business application approval.

4. Mobile banking can't apply for more than three times a month.

Use process

At present, staged communication supports online and offline dual-channel processing mode.

If you choose to handle our installment payment business through the online mobile banking channel,

How to handle the installment payment business?

If you are a whitelist customer of CCB, you can see the exclusive pre-approval bank provided by CCB, just select "Apply Now" below.

In the "Fill in Application Information" section, fill in the marked required fields, and then click "Next" below.

If you are an existing card customer of CCB, the system will automatically display the information left when you apply for the card. Please carefully check and fill in the real information at this stage.

Please note when filling in the information:

workplace

When filling in the work unit, you need to fill in the full name of the unit, such as a company, a group, a company, etc. (Private owners or individual industrial and commercial households need to fill in the full name of business license, and taxi drivers need to fill in the name of their operating company)

fixed-line telephone

If your home/work unit doesn't have a fixed telephone, you need to fill in another mobile phone number related to yourself.

Finally, CCB will send a mobile phone verification code, fill it out and submit it.

The installment payment of China Construction Bank is aimed at customers with good credit records, stable professional income and normal consumption behavior. CCB granted them a special installment credit line in advance to meet the daily large consumer credit demand. After successful processing, customers can spend money at designated merchants. Covers a large number of durable goods consumption, wedding, parenting, settlement, health and other diversified consumption areas.

Related Q&A: Can CCB installment cards be bound to WeChat and Alipay? As long as it is a bank card with its own ID card, CCB is one of the four major banks and can be directly bound to WeChat and Alipay.