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

2. Loan amount: the starting point of the loan is 5000 yuan (including 5000 yuan), and the maximum loan amount does not exceed 654.38 yuan+500,000 yuan (including 654.38 yuan+500,000 yuan);

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 be implemented;

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

6. Application materials to be provided:

(1) Original and photocopy of valid ID card

(2) The borrower's income certificate issued by the examination and approval department of China Construction Bank.

(3) The home decoration project contract signed with the decoration enterprise, the contract for purchasing home decoration materials, the contract for purchasing kitchen and bathroom equipment, and the home decoration budget.

(4) A copy of the business license and qualification certificate of the decoration enterprise.

(5) When the borrower applies for mortgage or pledge loan, it shall provide the list of title certificates, ownership certificates and the certificate that the authorized person (including the property owner) agrees to mortgage or pledge the property.

(6) Other information required by the bank.