The decoration loan of CCB is a loan business launched by CCB, and the main purpose of the loan is decoration. CCB Decoration Installment Card is the installment payment service for decoration applied by CCB Longka Credit Card. Customers can use it on the designated cooperative merchant's dedicated installment POS machine when spending in a specified type. Therefore, the decoration loan of CCB is not a card, but a special decoration loan.
1. Interest rate problem: when applying on 20 19, the annual interest rate was 3%, and there was a preferential interest rate of 0.25% some time before the National Day. The longest loan period was 5 years (60 installments), that is, if the loan was 400,000 yuan, the interest rate was 3%, and the monthly payment was about 7,000 yuan;
2. Bidding requirements: as long as it is a real decoration demand, you can apply;
3. Information required for the bid: the applicant's ID card, real estate license (the owner's name is the same as that of the applicant), salary for the last year, and social security card; If the applicant is inconsistent with the owner of the house, it is recommended to consult the account manager of CCB to provide supplementary materials;
4. Approval amount: the loan approval amount is approved according to the housing area, the repayment ability of the lender and the social security payment; After the approval, CCB will issue you a credit card, but at this time, there is only this loan amount, and the bank has no loan.
5. Post-use restriction: After the (1) quota is approved, the house decoration hydropower project (i.e. hydropower completion) needs to be completed within half a year, and after completion, it will be submitted to CCB for acceptance, and then the bank will lend 50% of the credit card, which can be used after activation; (2) After the kitchen and bathroom floor tiles and wall tiles are laid, please ask CCB staff for acceptance. After this acceptance, the subsequent 50% loan will be issued to the credit card; (3) After the credit card is issued, the credit line must be used up within half a year (of course, it is unnecessary to use it), and all credit lines will be invalid after the deadline; (4) This kind of credit card can only be used in shops related to the sale of decoration products such as physical building materials market and furniture plaza, and online shopping malls are usually not allowed.