Is China Construction Bank reliable by stages?

CCB's installment payment service is reliable. CCB's installment service covers a wide range of consumer areas, such as large-scale durable goods consumption, wedding, child care, home installation, health and so on. The maximum amount is 300,000, and the longest period is 60 installments, which can alleviate the financial pressure of customers and increase their consumption budget.

Business highlights:

Exclusive credit line: exclusive credit line, up to 300,000 yuan.

Convenient application: convenient application procedures and quick loan approval.

Wide range of uses: covering food, clothing, housing and transportation to meet your needs.

Easy repayment: the handling fee is favorable, and the longest 60-period repayment is stress-free.

Which is better, CCB installment or loan?

1. Loan amount: the maximum credit amount by stages is 300,000 yuan, which will be comprehensively granted by CCB according to the credit status of users, and the amount will depend on the system approval results; The maximum loan amount is also 300,000, which is also based on the actual situation of users and the comprehensive data of accounts.

2. Loan term: there are 6/12/18/24/36/48/60 installments to choose from, and the longest loan term is 5 years; The longest loan can only be 12 months, and the term will not be extended by stages.

3. Loan interest: Interest-free installment is not free. No matter how many applications are made, the handling fee is 0.5% for each application; On a daily basis, the interest rate of borrowing money ranges from 0.0 15% to 0.06%, which is four ten thousandths for many people, which translates into a monthly interest rate of about 0.45%~ 1.8%.

4. Usage: After the installment pass application is successful, you can't withdraw cash directly, but only swipe the installment pass card at the designated type of merchants, which can meet the large consumption demand of users; Borrowing is used to borrow money. You can apply for withdrawal to the balance or bound bank card within the limit, which can solve the problem of capital turnover of users.

5. Repayment method: payment can be made in installments on a monthly basis or in advance, and the installment fee collected will not be refunded, and the subsequent installment fee will not be charged; There are two repayment methods: equal monthly repayment and repayment of interest before repayment of principal, both of which support prepayment, and the interest is calculated according to the number of days as far as possible.