How long does it take for CCB Installment Pass to be approved?

1. How long does it take for CCB Installment Pass to be approved?

The approval of China Construction Bank Installment Pass generally takes about 15 to 20 days, depending on the identity and qualifications of the applicant. After the outlet submits the materials, the sub-branch and the branch will review the materials respectively. The review time takes about 2-3 days. During the review process, you will also receive a return call.

After passing the review, a text message will be sent to the user and the card will be mailed. If you receive the text message, it will take about 5 working days to receive the card.

Currently, there are generally two types of customers using installment loans, one is a credit card customer, and the other is a mortgage customer. If it is a credit card customer, the time is about 15 days, and if it is a mortgage customer, , then it will take 20 days, because mortgage customers also need to apply for a credit card on-site at the branch, so it will take longer.

2. How long does it take for the CCB Installment Pass to be approved?

Many customers want to know how long it will take for the CCB Installment Pass to be approved. This depends on the identity and qualifications of the applicant. CCB Installment Pass is currently There are two groups that are most likely to become loan experiencers, namely mortgage customers and credit card customers. The approval time for the two is different: 1. The approval time for credit card customers is shorter, about 15 days before the approval results are available; 2. Mortgage customers do not For credit cards, the approval time will be relatively longer, because you have to apply for a credit card on-site at a CCB branch, so it will take about 20 days. 1. Installment Pass is intended for customers with good credit records, stable professional income, and normal consumption behavior. Our bank will grant them a special installment pre-credit line in advance to meet their daily large-amount consumer credit needs. After successful application, customers can apply for it in designated types. Installment payment business for merchant consumption. This business covers diversified consumption areas such as large-amount durable goods consumption, weddings, childcare, settling down, tax payment, and health. Generally, you can choose 6/12/18/24/36/48/66 installments (months) for installment payment, and pay the handling fee for the corresponding number of installments. In fact, it is a consumer installment loan business with relatively reasonable interest rates and is more suitable for people who need funds. 2. What are the installment rates and usage periods? For installment business, you can freely choose 6, 12, 18, 24, 36, 48, or 60 installments (months) for installment payment. The handling fee is charged monthly, and the monthly handling fee is 0.5%. The Dragon Card credit card installment business can be processed before March 31, 2019 (subject to the date of submission of Dragon Card Credit Card Installment Application), Liaoning (except Dalian), Guangxi, Shandong (except Qingdao) ), Hubei, Guizhou, Gansu, Jiangsu, Shenzhen, Hebei, Shanghai, Jilin, Zhejiang, Xiamen, Hunan, Henan, and Tianjin customers can enjoy a 10% discount on the handling fee. After the discount, the monthly handling fee is only 0.45%; Chongqing , Qingdao, Shaanxi, Fujian (except Xiamen), and Beijing customers can enjoy a 20% discount on the handling fee. After the discount, the monthly handling fee is only 0.4%. The amount of handling fee payable by the cardholder in each installment = the actual installment amount x Monthly handling fee. The handling fee will be recorded monthly based on the number of transactions, starting from the first statement date after the transaction is completed, and will be fully included in the minimum credit card repayment amount. If you repay the current balance listed on the bill in full before the due payment date, you can enjoy interest-free treatment for the principal repayment of the current month's installment, and no interest will be charged.

3. How long does it usually take for CCB installment loan approval?

It usually takes 22-25 working days.

Information and procedures required for applying for a provident fund loan:

1. To apply for a housing provident fund loan, the lender must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(1) Proof of housing provident fund payment of the applicant and spouse;

(2) Identity certificate of the applicant and spouse (referring to resident identity card, permanent residence booklet and other valid residence documents ), documents proving marriage status;

(3) Proof of stable family economic income and other proofs of claims and debts that have an impact on repayment ability;

(4) Housing purchase contract, Agreement and other valid supporting documents;

(5) Collateral used for guarantee, list of pledges, certificate of ownership and proof of the consent of the person with the right to dispose of the mortgage or pledge, and collateral valuation certificate issued by the relevant department ;

(6) The Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee. The borrower, lender and third-party guarantor must sign a three-party contract together.

(7) Other information required by the Provident Fund Center.

1. For loan applications with complete information, the bank will promptly accept and review them and submit them to the Provident Fund Center in a timely manner.

2. The Provident Fund Center is responsible for approving loans and notifying the bank of the approval results in a timely manner.

3. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. , the provident fund center will allocate the entrusted loan fund after approval, and the entrusted bank will disburse the loan in full and on time according to the loan contract.

4. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the real estate mortgage registration procedures. If the mortgage contract or agreement is signed by both husband and wife, and the mortgage is pledged with securities, The borrower will hand over the securities to the management department or alliance center for safekeeping.

4. How long does it take for the CCB Installment Pass to be reviewed?

Whether CCB Installment Pass can be approved depends on your specific personal situation, which cannot be predicted in advance. The specific approval time is subject to the bank. It will vary according to individual circumstances. The review time is 7 working days. If both the credit card and the installment pass are approved, the bank will give a special installment limit to your credit card. After the limit is reached, you can go to a CCB outlet to complete the installment transaction, transfer the money to a special consumption card, and then swipe the card at a designated merchant. Please note that this special limit is in addition to the limit of your credit card and cannot be used repeatedly