The installment quota of CCB cannot be recycled (the maximum quota is 300,000, and CCB will provide comprehensive credit according to the credit status of customers). Its validity period is only 90 days, and the customer needs to use it within 90 natural days from the effective date of the credit line, and the expired credit line will be invalid (CCB will send a short message to the customer when the loan is successful, and the customer can activate the card, set the transaction password and use it after signing the card signature column).

If the customer fails to use the credit line within the validity period, CCB also has the right to cancel the credit line granted to the customer. When the time comes, the installment card will not be used, so it won't be needed.

If the customer has used up the quota, but wants to continue to use it, he can reapply. When using the installment quota, customers can freely choose 6, 12, 18, 24, 36, 48 and 60 installments (months) for installment payment, and the handling fee is charged monthly, with a monthly handling fee rate of 0.5% (the actual handling fee rate is subject to the page displayed at the time of application). Customers only need to repay the current repayment amount in full and on time before the monthly repayment due date.

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1. CCB installment is an installment payment service for customers with good credit history, stable professional income and normal consumption behavior. CCB has granted them a special installment pre-credit line in advance to meet the daily demand for large-scale consumer credit, and customers can spend at designated merchants after successfully handling it.

CCB Express Loan is a full-process online self-help loan for individual customers launched by CCB. Customers can complete loans online through electronic channels of CCB, including real-time application, loan approval, contract signing, withdrawal and repayment.

2. CCB has only one product by stages, and there are four products for fast loans, namely, fast e-loan for credit and car e-loan, financing e-loan for credit or real estate mortgage, and pledged loan;

3. CCB will charge a monthly fee of 0.5% in installments. The interest rate of fast e-loan is calculated and differentiated by the background model of the system according to the user's credit situation, contribution to CCB and other factors, and the execution interest rate is based on the interest rate actually displayed when the user applies;

The loan interest rate of e-loan is floating interest rate, and the page shows the interest rate range where the current benchmark interest rate rises by 20% to 50%, and prompts the user that the loan interest rate is subject to the interest rate agreed when signing offline;

The loan interest rate of "pledge loan" is floating interest rate, and the current minimum is 4.35%; The loan interest rate of "car e loan" is 1 year 4.35% and 3 years 4.75%;

4. Staging of CCB. If you are not a customer who signed a contract with mobile banking, you need to handle it at CCB outlets. Fast loans can be handled through CCB mobile banking, online banking and intelligent teller machines, and you don't need to go to CCB outlets.