What are the requirements for how to handle the renovation loan of CCB?
Both loan products and online loan products of commercial banks need to meet certain application conditions before they can be processed. The decoration loan of CCB has always been a favorite product of users. What are its application conditions? [Details of Borrower] 1. Eighteen to sixty years old, with local permanent residence or foreign residence, but with valid local residence certificate and fixed residence; 2. Have stable professional and economic income or assets that are easy to realize; 3. There is a home decoration project contract signed with the decoration enterprise, or a home decoration material purchase contract, a kitchen and bathroom equipment purchase contract, and a home decoration budget; 4. Open a current savings account in China Construction Bank; 5. Provide the guarantee approved by CCB; 6. Other conditions meeting the requirements of China Construction Bank. [Information provided by the borrower] 1. The borrower should fill in the Application for Personal Housing Decoration Loan of China Construction Bank and provide the following information: 2. Original and photocopy of resident identity documents (ID card, household registration book, military officer's card or other valid identity documents); Personal income certificate (income certificate issued by the unit, payroll, tax bill, bank deposit certificate that can be used for repayment, etc.). ).); 4. The home decoration project contract, home decoration material purchase contract, kitchen and bathroom equipment purchase contract and home decoration budget signed with the decoration enterprise; 5. A copy of the business license and qualification certificate of the decoration enterprise; 6. Proof of ownership of mortgaged property, list of pledged property and certificate of rights, as well as proof that the person who has the right to dispose of it agrees to mortgage and pledge; Collateral must submit proof of ownership or right to use, valuation and insurance documents; The pledgee must also provide proof of rights; The guarantor agrees to guarantee the document; 7. Other materials required by the lending bank.
China Construction Bank Decoration Loan
Of course.
Requirements:
1. Loan target: The home improvement loan of CCB is applicable to China citizens who have full civil capacity and need decoration financing, and are over 18 years old and under 60 years old.
2. Guarantee method: CCB's home improvement loan provides a variety of guarantee methods, which can be selected according to its own needs, mainly including mortgage, guarantee, pledge and credit extension.
3. Loan amount: The loan amount of a single-family family does not exceed 6,543.8+0,000 yuan, where the renovated house has been loaned and has been repaid normally for more than 2 years, the maximum loan can be obtained by credit, and the specific loan amount does not exceed 30% of the house value.
4. The longest repayment period of the loan is no more than 5 years, and the repayment method is flexible. You can choose the equal principal and interest method, the average capital method, the one-time principal and interest payment method at maturity, and any principal repayment method with interest paid on schedule.
5. The loan interest rate of CCB's home improvement loan is implemented according to the central bank's loan interest rate for the same period, which can fluctuate up and down within the prescribed range, usually not too high.
Extended data:
Precautions:
1. Issue the loan purpose certificate. In order to ensure that the borrower will use the loan funds for legal and compliant purposes, the bank usually requires the borrower to issue a certificate on the purpose of the loan, which can be used for special purposes. Therefore, when applying for renovation loans, borrowers also need to provide relevant renovation contract or agreement.
2. Get into the habit of paying back on time. After obtaining the loan funds, the borrower should also keep in mind the repayment date, form the habit of repaying in full and on time every month, and avoid overdue repayment, resulting in bad credit.
3. Prepare loan information in advance. When applying for a loan, in addition to requiring the borrower to meet the relevant loan conditions, the borrower is also required to provide relevant loan information, which generally includes personal identity certificate, income certificate, work certificate, residence certificate and renovation contract. The borrower can make preparations in advance to avoid mistakes and omissions in the loan process, which will affect the loan approval.