Interest rate of renovation loan of CCB: 5.25% for loans within 6 months (inclusive) and 6% for loans from 6 months to 1 year (inclusive); Loans for one to three years (including three years) 4.75% loans for three to five years (including five years) 6.00% loans for more than five years 4. 15%.

ChinaConstructionBank, formerly known as People's Construction Bank of China, was established in June 1 954+1October1(later renamed China Construction Bank on March 26th, 1996). Headquartered at No.25 Financial Street, China Construction Bank is a large state-owned bank managed by the central government and a national vice-ministerial unit. Its main business areas include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

idea

1. Business philosophy

Market-oriented and customer-centered.

2. Service concept

Customer first, attention to detail

3. The concept of risk

Understand customers, understand the market, participate in the whole team, and grasp the key.

4. Talent concept

Pay attention to comprehensive quality and highlight performance and benefit.

China Construction Bank's internal and external circular diagram based on ancient copper coins has distinct banking attributes, which mainly reflects the "Fiona Fang" characteristics of China Construction Bank. Party representatives are strict, standardized and serious; The circle symbolizes perfection, affinity and tolerance.

The change in the upper right corner of the graph forms an overlapping three-dimensional effect, representing the English abbreviations of "China" and "Architecture", that is, the overlap of two C letters, implying accumulation, symbolizing the development and growth of China Construction Bank in the process of capital accumulation, and providing services for China's economic construction.

The graphics break through the closed circle, symbolizing the integration of ancient culture and modern management concepts, and implying that China Construction Bank is rooted in China and facing the world in the brand-new modern economic construction.

The standard color is sea blue, which symbolizes rationality, tolerance, peace and stability, embodies the demeanor of state-owned commercial banks, and implies that China Construction Bank attracts talents and funds from all sides like the sea.

How much is the interest of China Construction Bank's renovation by stages?

Knowing the installment interest, you also need to know the amount of your loan, the number of installments and the interest rate. It can be divided into 6, 12, 18, 24, 36, 48, 60, 72, 84, 96 and so on. The monthly interest rate of the renovation of CCB is about 0.45%, and the monthly interest rate of the renovation of CCB is 0.60%, which will not change with the number of installments. If RMB 654.38+10,000 yuan is borrowed, the interest of 1 month is: 1000000.45%=450 yuan.

China Construction Bank's decoration installment card is not a credit card, but actually refers to the installment payment business of China Construction Bank's Longka credit card decoration. Longka credit card decoration installment payment business refers to the applicant's application to China Construction Bank for special installment payment for decoration-related expenses due to the decoration needs of family houses (including self-owned houses, houses with the same property rights, houses under the names of spouses or immediate family members).

China Construction Bank's installment decoration amount is exclusive, which can meet all aspects of customers' home improvement needs. The application amount ranges from 200,000 yuan to 200,000 yuan. It is very simple and convenient to handle the renovation of CCB by stages. It is an exclusive one-stop channel, and customers do not need to go back and forth to the bank for business many times.

There are two main ways to collect the decoration fees of CCB by stages, one is one-time collection, and the other is installment collection. If the installment fee for renovation of CCB is charged at one time, it will be charged in the bill of the first month after installment, that is to say, the installment amount of the first month = the cardholder's handling fee installment amount/installment number, and the monthly installment amount from the second month = installment amount/installment number.

If the renovation fee of CCB is charged in monthly installments, the monthly installment repayment amount = monthly installment amount/installment number of the cardholder. The interest rate of the renovation installment of CCB is 0.60% per month, which will not change due to the change of the number of installments. As for the handling fee for the renovation of CCB by stages, it can be collected at one time or by stages. If it is collected at one time, it will be directly included in the bill of the first month after the staging.

Construction Bank decoration loan application materials:

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

2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;

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

4. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;

5. The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan;

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.

What is the interest rate of CCB's renovation by stages? How many phases can the renovation of CCB be divided into?

For the credit card decoration installment business of CCB, you can choose 6, 12, 18, 24, 36, 48, 60, 72, 84 and 96 installments. There are differences in handling fee rates in different regions and different periods, which shall be subject to the notice of the local branch.

(In case of business changes, please refer to the actual situation. )

How much is the interest on the renovation loan of CCB?

The monthly interest rate of the renovation loan of China Construction Bank is 3. 1%, which is equivalent to the annual interest rate of about 7.5%. Take the loan of 100000 yuan as an example, and the loan term is one year, then the loan interest = loan amount x annual loan interest rate x loan time, that is,100000x1x7.5% = 7500 yuan.

The application conditions for renovation loan of CCB are as follows:

1. The applicant is between 18-60 years old and has full capacity for civil conduct;

2. Have a local permanent residence or a foreign residence but a local valid residence certificate;

3. Have a fixed residence;

4. Have a stable job and income;

5. There are certificates such as the "Family Decoration Project Contract" signed with the decoration enterprise;

6. Having a current savings account in CCB;

7. Being able to provide the guarantee recognized by CCB;

8. Other conditions required by CCB.

China Construction Bank decoration loan application materials:

(-) Original and photocopy of valid identity documents;

(2) A borrower's income certificate issued by a department recognized by the loan bank;

(3) List of title certificates, ownership certificates of mortgaged or pledged property, and proof that the person who has the right to dispose of the property (including the property owner) agrees to dispose of it. If the guarantee is provided by a third party, a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee shall be issued;

(four) there is a "family room decoration project construction contract" signed with the decoration enterprise, and the decoration enterprise must sign a "cooperation agreement" with the branch of China Construction Bank;

(five) the house ownership certificate or lease contract of the renovated house registered by the Municipal Housing and Land Administration; (6) Other conditions stipulated by the lending bank.

The starting point of personal housing renovation loan is RMB 5,000 (including RMB 5,000), and the maximum is RMB 654.38+RMB 500,000 (including RMB 654.38+RMB 500,000). Among them: if there is mortgage guarantee, the loan amount shall not exceed 70% of the value of the collateral; Where collateral is used (only China Construction Bank certificate of deposit), the loan amount shall not exceed 90% of the value of collateral.

How much is the interest on the renovation loan of CCB?

The specific interest rate of decoration loan is actually related to many factors, such as the city where it is located, the bank it chooses and so on. The interest rate of decoration loan products of banks generally fluctuates on the basis of the benchmark interest rate of the central bank, and different banks set interest according to this system. The annual interest rate of the loan term is about 5.6% for less than one year and about 6% for one to five years. If the loan term exceeds five years, the required interest is about 6. 15%.

How many years can I borrow a decoration loan?

I. Detailed Rules for Decoration Loan of China Construction Bank

1. Loan target: 18 to 60 years old China citizens with full civil capacity;

2. Loan amount: the starting point of the loan is RMB 5,000 (including RMB 5,000), and the maximum is RMB 654.38+RMB 500,000 (including RMB 654.38+RMB 500,000);

3. Loan term: the shortest half year and the longest not exceeding 5 years (including 5 years);

4. Loan interest rate: the loan interest rate for the same period stipulated by the People's Bank of China shall apply;

5. Guarantee method: pledge, mortgage and qualified third-party natural person guarantee recognized by CCB.

Two. ICBC Decoration Loan Rules

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

4. There is a house renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the competent department;

5, with no less than 50% of the total decoration budget of its own funds, and before the use of loans into the project construction;

6. Loan term: the longest loan term shall not exceed 10 year (including 5 years);

7. Other conditions stipulated by the bank.

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This is the end of the introduction of Huizhou CCB renovation loan interest rate and Huizhou CCB renovation loan interest rate table. I wonder if you found the information you need from it?