Why can't CCB lend for the third time? How many times has it been approved in a year? ...

1. How many times has CCB approved fast loans a year? Why can't I borrow for the third time? ...

This is risk control. There is a way.

2. What is the difference between the comprehensive consumption of fast loans and the large consumption of CCB?

Big consumption. Refers to the RMB loan business for designated consumption purposes issued by banks to individual customers who apply for purchasing "consumer goods or services for fair use". Consumer loan refers to the RMB loan business with designated consumption purposes issued by banks to borrowers who apply for purchasing "consumer goods or services for reasonable purposes". Large consumption purposes mainly include personal housing, automobiles, general student loans and other consumer personal loans.

Comprehensive consumer loans must first apply for personal credit lines, husband and wife's ID cards, household registration books, marriage certificates and income. When lending, they must have a legitimate occupation and stable income, and can provide photos.

Third, why should CCB use fast loans with caution? Please note the following

Will CCB's fast loan affect credit reporting? This problem should be analyzed from several aspects: 1. If the applied CCB fast loan repays on schedule, the bank may think that your credit information is better when conducting mortgage review, which is conducive to mortgage application. Many white households don't have any credit records, and banks can't judge your integrity, so institutions with strict risk control may directly reject you, so many people use CCB fast loans for credit investigation. 2. If the application for quick loan from CCB is overdue, it will directly affect the credit investigation and leave a bad record. When applying for a mortgage, the bank will think that your willingness to repay is relatively poor, and insufficient repayment ability may lead to the failure of mortgage approval. 3. There are too many loan applications. Jianxin Express Loan has many loan products, such as Express E-loan, Financing E-loan, Pledged E-loan, Car E-loan and Wo E-loan. If necessary, you can apply for some of them appropriately, but don't rely too much on such loans. The bank will think that you often borrow money regardless of the size and amount, and your financial situation may be a bit poor. Why should CCB use fast loans with caution? 1, maintain a good reputation. CCB Express Loan can be used, but you must remember to repay it on time and don't forget to pay it back, otherwise it will have a great impact on credit. 2. Do it moderately. In any case, there will always be some disadvantages if there are more times, and so will CCB's fast loans. Don't use it frequently. 3. Time is very important. If you plan to apply for a mortgage within six months, it is best not to apply for a quick loan from CCB, and it is more appropriate to apply after the mortgage is approved.

Fourth, what is the most taboo of CCB's fast loan?

1.

Avoid the huge repayment pressure caused by illegal use. Fast loan products can only be used for legal and compliant consumer purposes, such as home improvement, tourism, wedding, medical care, education and so on. , and can not be used to buy houses and repay housing mortgage loans, nor can it be used for various investments such as stocks, bonds, futures and financial derivatives. If CCB finds illegal use, the other party will immediately terminate the loan contract and demand a one-time settlement of all arrears. At this time, the repayment pressure is enormous.

2.

Avoid excessive use leading to overdue repayment. The credit line of fast credit varies from 1 1,000 yuan to 200,000 yuan, which supports daily interest calculation and repayment as you borrow it. If you use it carefully and borrow on demand, the repayment pressure will be less, and it is not easy to be overdue because of insufficient repayment ability. On the other hand, if it is overused, it will cost hundreds of thousands at a time. In case the plan can't keep up with the changes, the repayment will be overdue, so you have to bear some consequences caused by overdue.

3.

If the risk of overdue is kept to a minimum, the consequences of overdue will have different degrees of influence according to the number of overdue days. For example, overdue 1 000 yuan, overdue for 5 days, overdue penalty interest is very small, and the negative impact of overdue on personal credit information is slight. However, if it is 654.38+10,000 yuan overdue for 3 months, the overdue penalty interest will be compounded monthly, and the accumulated amount to be repaid is large, and the overdue for 3 months is considered to be seriously overdue in the credit investigation, so we should use CCB's fast loan with caution.

4.

Avoid increasing high debt and affecting mortgage loans. After all, CCB's fast loan is a consumer loan and cannot be used to buy a house or repay a mortgage. If excessive consumption at ordinary times leads to high accumulated debt ratio under the name, it will inevitably affect the mortgage amount and mortgage approval. After all, a person's income from work is limited, and it is easy to make ends meet if he spends too much, and he has no repayment ability. To sum up, as long as it is a loan, there will be risks, not just a quick loan from CCB, so when applying for and using a loan, we should fully consider our own economic ability and consumer demand and be moderate.