Can a loan of 5,000 be disbursed in one day at China Construction Bank?

Introduction to China Construction Bank’s “Quick Loan” Series in 2015

If you are temporarily short of money to do something, and you suddenly need money urgently, borrow it from your relatives and friends. If you are embarrassed to ask, it is the best thing to do in this situation. It's uncomfortable.

However, this problem is easy to solve now. As long as you use China Construction Bank's "Quick Loan", you can apply for a loan through the Internet at home. The loan limit can be up to 5 million yuan. More importantly, the approval reply is required. It only takes a few minutes and you don’t need to visit a CCB branch at all. Kuaidai is an online loan product, including three products: "Quai e-dai", "Rong e-dai" and "pledge loan". It has the following six highlights:

1. Surprisingly fast - only It only takes a few minutes, and the loan will be available immediately

Who can believe that a loan application can be approved in a few minutes, but CCB’s “Quick Loan” can do it. Borrowers can apply, approve, sign, draw, and repay on CCB's online banking. The entire loan application only takes a few minutes. After application, CCB will review the borrower's personal financial assets within a certain period of time. Once approved, the loan can be used immediately, which is very convenient.

2. Extremely easy - fill in the amount and deadline, no application materials required

Do you need to submit a bunch of materials like a traditional loan when applying for a loan? CCB’s “quick loan” is not required. Borrowers apply for "quick loans" through CCB's online banking. They only need to apply for a loan online and fill in the amount, term and other relevant matters. There is no need to submit any application materials, the entire process is completed on online banking, it is very simple.

3. The entire process is online - just click the mouse and the loan is processed

Do I need to keep visiting branches to apply for a loan? The answer is "Quick Loan" is not necessary. Application, approval, use and other operations can be completed online. Except for "Rong e-Loan" products that require offline review (go to the counter to sign and write the purpose of funds), "Quick e-Loan" and "Pledge Loan" can be operated directly online. In addition to applying for a loan, the use of funds and repayment can also be completed online.

4. Self-service processing - self-service loan processing, no need to ask for help again

People who are in urgent need of funds may encounter the embarrassment of asking for help, but if you use "Quick Loan" It would avoid embarrassment. After application, CCB's system will give the final credit amount based on the borrower's situation. During the period, the borrower can use the funds at any time to solve financing problems.

5. Use it whenever you want - use multiple methods and use the loan flexibly

How to use the "quick loan" funds applied for? There are currently many channels that allow you to use loans flexibly. Borrowers can use it by themselves through various methods such as online shopping, swiping POS machines, and online banking transfers. It should be noted that borrowers can choose to use it according to their needs. You can decide whether to use it in full or in part, but you cannot directly withdraw cash.

6. Repay when you want - interest will be calculated again, and you can repay easily by yourself

How is the interest of "Quick Loan" calculated? Let me tell you, interest will be calculated only if you use it, not if you don’t use it. Unlike other loan products, "Quick Loans" have low loan costs, and interest is calculated from the date the borrower uses the loan, and interest is calculated for as many days as the borrower uses the loan. There are many repayment methods for "Quick Loan". Borrowers can repay through online banking, ATM teller machines, and branch counters, and can repay when they want.

How to apply for "Quick Loan" of China Construction Bank?

“Quick Loan” personal self-service loans refer to personal online full-service loans that individual customers apply for through China Construction Bank’s electronic channels and are approved online in real time by the system model. Customers can sign contracts online by themselves and pay by themselves through electronic channels. Process self-service loans.

Customers can choose the following two ways to apply for a loan:

1. Log in to CCB’s official website, click on CCB’s “Quick Loan”, click on “Apply Now”, log in to personal online banking to apply .

2. Log in directly to personal online banking, select "Personal Loan" - "Quick Loan" - "I Want Quick Loan", select different products according to your needs and click to apply.

Apply and obtain the loan results online in real time. After online confirmation, follow the webpage prompts to sign the contract online or go to the corresponding lending institution.

Processing process: Online application - real-time feedback on the maximum loan amount - online real-time approval - online signing - self-service payment - multi-channel self-service repayment

Settlement Interest rules: From the date of loan issuance, loan interest will be calculated and charged based on the actual number of days the loan is used and the interest rate agreed in the contract. No interest will be calculated if the loan is not used.

Loan repayment: through personal online banking, ATM self-service repayment, or at the CCB counter.

Application conditions:

1. To apply for "Quick Loan", you need to be a CCB personal online banking customer. If you have not yet become our online banking customer or have not yet applied for our online banking shield, please First go to our bank's business outlets to handle the matter.

2. During the process of applying for a quick loan, you need to insert the online banking shield. If you don’t have the online banking shield, you can apply for a loan and get the loan approval amount, but you cannot complete the entire loan process. Please make sure you have the online banking shield with you. carry.

Construction Bank’s “Quick e-Loan” application conditions

China Construction Bank has launched the “Quick e-Loan” loan business. After logging into the CCB website, customers only need to select your province and city, and the system The loan amount will be automatically generated and credit granted based on the customer's business situation with CCB. The loan amount is 1,000-50,000 yuan. You can use Kuai e-loan loans for online payment and POS machine consumption. So what is the interest rate of CCB Kuai e-loan loans? What are the application conditions for Quick E-Loan?

It is reported that the preferential loan interest rate of CCB Kuai e-Loan in the first quarter of 2015 is 6.6. Within the credit limit, interest is calculated based on the actual amount used and the number of days actually used. That is, interest starts accruing on the day of consumption and stops on the day of return, and the credit limit is automatically restored.

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2. CCB housing loan customers;

3. CCB private banking customers (please contact 95533 for details on private banking customer standards)

4. Other customers.

Just meet one of the above conditions.

How long is the approval period for fast e-loans? Quick e-loan is not only convenient to apply for, but it is also approved online in real time and the loan result is obtained. After online confirmation, follow the webpage prompts to sign the contract online or go to the corresponding lending institution. After signing the contract, you can pay for any domestic e-commerce order, POS card payment and online banking transfer. Make repayments through personal online banking, ATM self-service, or at CCB counters.

Other solutions for individuals who are in urgent need of money

As the old saying goes, money can make all the difference. Some people also say that in extraordinary times, a dime can kill a lot of heroes. With the advancement of the times, it is still credible to travel around the world with money, but it is no longer so reliable to be desperate for money. So what are the common financing methods for individuals?

1. Credit card loan

Credit card is an important source of funds for loans. Although many people think of credit cards as a non-traditional source of financing, the practice of using credit cards to finance your purchases has become increasingly common and widely accepted.

2. Bank loans

Banks may be loyal partners of lenders and are special enterprises specializing in currency credit. They gather huge amounts of money from savers at a certain cost. Banks are like a "reservoir" of funds, ready to provide qualified businesses and individuals with loans of various terms and amounts they need.

3. Small-amount guaranteed loans

In order to promote the re-employment of laid-off and unemployed people, the fiscal budget has allocated special funds for small-amount guaranteed loans for laid-off and unemployed people. loan. Banks grant loans to qualified small businesses, and the financial department can provide an interest discount based on 50% of the loan benchmark interest rate announced by the People's Bank of China, but no interest discount will be provided for extensions.

4. Mortgage-guaranteed loans

If the entrepreneur’s relatives or friends have a stable income, they can also become excellent credit resources. In particular, high-quality credit loan customers such as civil servants, public institution employees, lawyers, doctors, and financial industry personnel can easily apply for guaranteed loans of around 100,000 yuan.

5. p2p online loans

With the development of the Internet and the rise of private lending, the p2p lending model has become more and more deeply embedded in our lives. Common platforms such as CreditEase , Ping An Loan, etc.

The above are the common modes of personal financing. Friends who are in urgent need of money can try to apply according to their actual situation, or they can search on our "Loan" channel. Maybe you will get unexpected gains.