First, the general approval process takes about 10 days. The shortest loan period is half a year, and the longest is not more than 5 years (including 5 years).

Second, the decoration loan application conditions:

1. Aged from 18 to 60 years old, with local permanent residence or foreign residence but valid local residence permit 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.

Second, the renovation loan is usually several years.

The period of renovation loan varies according to different institutions. The shortest life can be 6 months, and the longest is generally 5 years. However, some financial institutions have given the longest loan period of 10 years, with the purpose of decoration.

Third, the renovation loan is usually several years.

General decoration can be loaned for several years. ? The longest decoration loan can be five years, but in the actual loan process, users may not be able to apply for five years. The minimum loan period of decoration loan is half a year, which supports users to repay in advance after applying for a loan. Decoration loan is a special loan, and the loan funds can only be used for decoration and purchase of home appliances. Once illegally used, users will be punished. Is the loan interest high? 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 rates of decoration loan products of general banks are all floating on the basis of the benchmark interest rate of the central bank, and different banks set interest rates 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 rate is about 6. 15%. Decoration conditions 1. Personal basic information such as the borrower's work unit, education background and marital status. Stable work and income can provide guarantee for future repayment. 2. Personal income proves that income is different from bank flow. The income certificate is issued by the employer and takes effect after being stamped with the official seal of the company. This kind of proof is more valuable than bank running water. 3. Personal credit report Personal credit is one of the important bases for loan reference. Users with good credit have strong repayment ability and willingness, while users with poor credit have the risk of default. Banks and financial institutions are more willing to lend to customers with good credit. 4. Personal asset certificate In addition to income certificate, other asset certificates can add points to personal loan qualification. Such as real estate, automobile production, securities and insurance policies. It can be used to prove that you have rich assets and sufficient repayment ability. 5. Personal liabilities The debt ratio is also the basis for banks or financial institutions to refer to. If the borrower has a large amount of debt recently, then the loan is at risk of default.

4. How long will the renovation loan of CCB expire?

The longest validity period of the renovation loan of CCB is 5 years. If the renovated house is not occupied by the owner, the maximum validity period of the loan is 3 years. In this way, the validity period of the decoration loan is determined according to the type of house, not that the lender can apply for several years if he wants to apply for it. The maximum loan amount for renovation loan of CCB is 6,543,800,000 yuan. If the house to be renovated is still paying the mortgage, it has been paid for more than 2 years, and the maximum loan can be 300,000.