Shanrong business personal student loan
Product introduction
Shanrong Business Personal Loan refers to the special loan service provided by China Construction Bank for personal loan customers (including existing customers and new applicants). By signing the "Lending Link" service, the loan amount (non-commitment amount, the same below) of personal loan customers can realize self-service consumption through online channels.
Basic rule
1. Loan target:1People's Republic of China (PRC) citizens over 8 years old and under 60 years old with full capacity for civil conduct, investors of sole proprietorship enterprises, partners of individual partnerships and individual industrial and commercial households engaged in legal production and operation; Or the controlling shareholder or actual controller of a limited liability company or a joint stock limited company established in accordance with the Company Law of People's Republic of China (PRC).
2. Loan term: the longest non-revolving loan shall not exceed 3 years;
The longest term of revolving credit line is 10 year, and the single term shall not exceed 1 year.
3. Loan amount: the loan amount of a single household shall not exceed 6,543,800 yuan.
4. Loan purpose: used to meet the financing needs of capital turnover in operation.
5. Guarantee methods: mortgage, pledge, guarantee and credit.
8. Repayment methods: including equal principal and interest repayment method, average capital repayment method, one-time repayment method, monthly installment repayment method, etc.
Treatment process
1. Customers who newly apply for personal student loans sign personal student loan contracts according to the personal student loan handling process.
2. Customers with existing loan lines or customers who newly apply for loan assistance open loan "zero" accounts.
3. Customers with existing loan lines or customers applying for new loan lines should fill in and submit the Application Form for Lending Service of China Construction Bank, sign an agreement with customers after approval by our bank, and go through the opening formalities in accordance with the relevant regulations on lending service management.
4. After signing the "Lending Link" service, the borrower can make corresponding payment.
If online banking payment is agreed, the borrower directly logs into online banking, and selects the loan account number and the agreed counterparty account for payment.
If online shopping orders are used for payment, the borrower chooses the online bank of China Construction Bank for payment when shopping on e-commerce websites such as Shanrong Business, and chooses the loan account signed by Lending Link for payment after logging in to the online bank. The loan purpose of this kind of loan payment can be proved by the automatic record of the loan transfer payment flow, and the corresponding flow system information should be saved as electronic files.