After the renovation loan of CCB is approved, the staff will ask the lender to take photos at the handling outlets. After taking a photo, you usually spend 15 yuan. If the user is about to start renovation, CCB will check the progress of the lender's renovation and then arrange the loan as soon as possible. In other words, if users need money urgently, CCB can help users speed up.

Of course, the best situation is to apply for a good loan before the start of construction, so as not to be unable to start construction because the funds are not in place.

Home improvement loan, also known as decoration loan, refers to the credit loan launched by banks or consumer finance companies with family housing as collateral. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project. There are two kinds of home improvement loans and one credit card installment form to apply for, as follows: 1. Apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. ; 3. Credit finance company loans Apart from the traditional bank loans, loans from consumer finance companies are also one of the options.

Application conditions

1. Have local permanent residence and legal and valid identification;

2. Have a proper occupation and stable income, and have.

3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.

4. Purchase and sales contracts of newly purchased houses, purchase invoices and other information. (or proof of ownership is required for the renovation of the original house);

5. Cooperative machine

Application material

Lenders applying for renovation loans generally need to provide the following materials to the bank:

1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;

2, the occupation and personal income certificate issued by the unit, more than half a year of stable work certificate (or provide their repayment ability in recent months;

3. Real estate certificate of real estate mortgage (required for mortgage loan);

4, water and electricity tax bill to prove that its credit quality;

5. Proof of materials such as the decoration project contract signed with the decoration enterprise and the purchase order of decoration materials.

6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;

7. Other conditions required by banks or financial institutions.

Second, how long will the renovation loan last?

Hello, in principle, the single loan amount of personal housing renovation loan issued by our bank does not exceed 654.38 yuan +0.5 million yuan, and does not exceed 50% of the total cost of renovation project. But the loan channels you choose are different, and the amount you can apply for is different.

I. Personal decoration loan

1, unsecured credit decoration loan

The loan amount of bank credit decoration is generally 5-8 times of the monthly income, and there is no mortgage or guarantee, but it has high requirements for the borrower's credit information. Banks will strictly examine the details of the applicant's job nature, industry, income, etc. Generally, only people in specific industries, VIP customers, senior management of the company, etc. can apply. You can also try unsecured Internet brand credit products. For example, Youhuahua is the original Baidu financial credit service brand with transparent interest rate and trustworthy. Youhua Huawei Volkswagen provides personal consumer credit services and creates an innovative consumer credit model. The application materials are simple, the fastest time is 30 seconds, the fastest time is 3 minutes, and the maximum loanable amount is 200,000. It can be repaid in advance, and the loan can be recycled after repayment.

2. Mortgage decoration loan

Mortgage decoration loan is also a decoration loan applied for by real estate mortgage. There are many banks to carry out this business, and consumers have more choices. The general loan amount shall not exceed 70% of the appraised value of the mortgaged real estate. If mortgage is adopted, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate. If there is a guarantor, the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan.

Second, credit card home improvement staging

In order to better meet the needs of consumers for home improvement by stages, some banks have launched credit card home improvement by stages, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. Generally, the loan amount that can be handled is 6.5438+10,000-200,000, and the maximum installment amount of a single product is 500,000. How much can I borrow for the decoration loan? Depending on the loan method you choose, the amount is different. But the specific amount still depends on the applicant's personal qualifications and repayment ability.

Click on the bottom of the mobile phone to calculate the amount immediately, and the maximum loan amount is 200,000.

3. How long does the renovation loan take?

If the complete application materials for China Merchants Bank loan are submitted, the approval time will be about 15 working days, because each customer's situation will be different because it involves evaluation, mortgage registration and other links; Please contact the handling branch or loan account manager directly to confirm the specific loan release time, cancellation and other related information.

4. How long will it take to complete the transformation of the loan record system?

Generally, it takes about 15 working days to release the decoration loan of Agricultural Bank of China. While waiting for the loan, individuals can go to the ABC outlets or call the ABC customer service hotline to check the loan progress. Usually, after the loan is issued, the Agricultural Bank of China will send a message to inform the user, so it is necessary to pay attention to the personal SMS notification.