Treatment process

1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.

4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

5. loan settlement. Loan settlement includes normal settlement and early settlement.

(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

(2) Early settlement: Before the loan expires, the borrower must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after approval by the bank.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Extended data:

"Home improvement loan" is all personal loan products with decoration financing service function of China Construction Bank, including personal housing mortgage loan and personal consumption loan.

Basic rule

1. Loan object: It is suitable for China citizens who have full civil capacity and need renovation financing and are over 18 years old but not over 60 years old.

2. Loan purpose: decoration purpose.

3. Guarantee methods: mortgage, guarantee, pledge and credit.

4. Loan amount: the loan amount of a single household shall not exceed 6,543,800 yuan; Among them, for the housing loan customers who apply for loans, if the renovation of the houses purchased by their housing loans has normally repaid the housing loans for more than 2 years (inclusive) and there is no record of default or other defaults, the Construction Bank will directly give credit consumption loans with a maximum of not more than 300,000 yuan (inclusive) and not more than 30% of the house value (subject to the collateral value confirmed when handling housing loans).

5. Loan term: no more than five years.

6. Loan interest rate: The loan interest rate of China Construction Bank shall apply.

7. Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment method at maturity, and arbitrary principal repayment method with interest paid on schedule.