Comprehensive consumer loans personal process flow diagrams illustrate:

Comprehensive consumer loans personal process schematic diagram showing:

One, mortgage

1, collateral: the borrower himself or third people owned property housing, has a "real estate certificate".

2, the mortgage process:
(1) holding property cards to the property housing the district premises Bureau asked the real estate is lag can apply for mortgage;
(2) as exact can be obtained for a reply, please "property card" and the relevant personal information to the CCB individual consumer loans agencies for mortgage loan;
(3) CCB designated property assessment the applicant to provide a real estate agencies to assess property assessment, and submit a report collection procedures, 3 ‰ according to the evaluation of value;
(4) China Construction Bank to assist applicants to apply for property insurance procedures and the corresponding loan approval procedures, the highest degree of loan amount does not exceed 70% of assessed value, and agree to release the loan contract and the mortgage contract and the examination and approval;
(5) borrowers, loan contract to the housing property permits the district premises Board for mortgage registration, agency costs by the borrower;
(6) mortgage registration completed, bank loans to the borrower shall be personal savings account.

Two, pledge loans

1, the pledged property rights certificate: borrowing himself or third person legally held, including:
(1) price. Including the issuance of financial bonds, agency Beijing branch AAA grade corporate bonds, government bonds (laws and regulations except not pledge);
(2) certificate Treasury Beijing branch agency issued (1999 issue);
(3) Beijing Branch issued this individual, foreign currency savings deposit and the regular one;
(4) Beijing branch approved the other lawful, effective power certificate.

2, the pledge process:
(1) the right credentials to personal consumer loans agencies shall apply for a loan;
(2) the nucleoplasm and document of title, and in line with the conditions of the registration of pledge;
(3) bank receipt hypothecation certificate, the examination and approval procedures for loans, the maximum loan amount is not the pledge of rights certificate denomination of more than 90%, with the approval of loan applicants to sign the loan contract and pledge and;
(4) the CCB loans to borrowers personal savings account.

Three, the loan portfolio

The borrower may apply for mortgage or pledge rights certificate with a personal consumer loans, the loan amount according to two kind of security grant loan amount accumulated, loan process. Four, credit

1, borrowers to my credit for personal consumer loans, the CCB to determine the loan amount according to the borrower's credit status, the highest for 600000 yuan.

2, the loan applicant to provide data (the data are able to provide supplies);
(1) a valid identity card, residence booklet, military ID.
(2) letter of credit investigation, where the units issued by including occupation, staff stability properties.
(3) personal income proof.
(4) the personal work permit and payroll records or the wage list.
(5) certificate, certificate of title.
(6) proof property certificate or housing lease contract, the housing situation.
(7) marital status and condition of children.
(8) in any water, electric, gas, telephone fees of a bill or neighborhood committees that.
(9) personal loans and bank related and other business certificate.
(10) the personal credit cards roncador and nearly half of the bill.
(11) other financial assets (such as stocks that delivery orders, savings, insurance, funds, bonds etc.
(12) according to the actual situation, need to provide additional information.

3, customer manager according to the borrower's credit rating to determine the loan amount and the corresponding period, the loan approval procedures, the loan amount does not exceed the corresponding credit rating allows the payment amount, and agree to release the applicant signed loan contracts and approval.

4, the CCB loans to borrowers personal savings account.

Loan period of half a year to two years three years four years five years
The annual interest rate 5.58 5.85 5.94 5.94 6.03 6.03%
Monthly interest rate 4.65 4.875 4.95 4.95 5.025 5.025 ‰
The loans will repay the loan monthly payments (million) 442.93 303.95 234.99 193.47