If a house needs a loan for mortgage repayment and decoration, it can apply for a loan as long as it meets the loan conditions of CCB. The loan amount shall be calculated by CCB according to the specific circumstances of the lender.
China Construction Bank's home improvement loan single-family loan amount does not exceed 6,543,800 yuan; Among them, for the housing loan customers who apply for loans, if the renovation of the houses purchased by their housing loans has normally repaid the housing loans for more than 2 years (inclusive) and there is no record of default or other defaults, the Construction Bank will directly give credit consumption loans with a maximum of not more than 300,000 yuan (inclusive) and not more than 30% of the house value (subject to the collateral value confirmed when handling housing loans).
Extended data:
Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.