Is this money being applied for or approved?
Application: Of course it can be changed. Go to the loan department to inform you, just hand in enough information. It is estimated that the bank will not embarrass you and can change it. Of course, if the bank tries hard on you and you haven't signed a loan contract, then cancel this loan application and find another bank loan.
It has been approved: this is more troublesome. It is basically impossible. After the general loan, the term will only be changed, and there is no change in the loan method for the time being. Because, as upstairs said, the two loan methods are different, and the "essence" of principal, interest and repayment is also different.
Just for commercial housing, there is not much difference between the equal amount and the final repayment amount. Anyway, it is also a commercial house, and the impact will not be too great. Of course, it's just a personal opinion. .....
Two. Changes of CCB's commercial housing loans
1. Opening a new account: the applicant needs to hold valid documents to open a new account in the relevant branch, and can obtain a bank account number after opening the account successfully.
2. Submission of change materials: The applicant shall provide valid identity documents, residence permits, house ownership certificates and other materials, and submit the change materials according to the change requirements.
3. Change the loan account: After submitting the change materials, the applicant can change the loan account according to the requirements of the bank and handle the change operation with the bank.
4. Signing a new contract: After the bank reviews the changed materials, it signs a new contract, and the applicant pays the loan interest, service fee and other expenses according to the contract.
5. Archive of change data: After the change is completed, the bank will archive the change data for future inquiry and use.
Three, CCB can change the way of mortgage.
When buyers buy a house, most of them will choose the form of loans. After all, it is still difficult to take out so much money at once. However, Bian Xiao also reminds everyone here that before handling the loan, you should know something about the loan policy and repayment method, so as to choose the repayment method that suits you best.
Four, CCB personal housing loan interest
The personal housing loan interest rate of CCB is 5.94%.
Treatment process
1. loan application: the customer fills in and submits the application form and application materials designated by CCB.
2. Pre-lending investigation and interview: CCB interviewed the borrower and conducted pre-lending investigation.
3. Loan approval: CCB conducts loan approval.
4. Signing a contract: After the customer's loan is approved, sign a loan contract with CCB.
5. Loan issuance: CCB will issue loans after meeting the requirements.
6. Customer repayment: the customer repays the loan on time as agreed.
7. loan settlement.