I. Application for Credit Card Decoration Loan of China Construction Bank
1, apply for personal credit loan decoration. This method is characterized by high requirements for applicants, that is to say, high threshold, which is tailored for some special industries, VIP customers and company managers. It needs to examine the details of the applicant's job nature, industry, income, etc., and generally does not need mortgage. The loan amount is 5-8 times the monthly income, and of course the interest rate will be higher.
2. Personal consumption loan decoration loan. This method is different from the former. It needs to be carried out together with the certificate, such as real estate and consumption, which gives the applicant a wider choice. However, each bank has different requirements for applicants in terms of house price, house age and real estate area. Applicants can do their homework in advance. If an individual has one or more houses, he can try to apply. The loan amount is large and the term is long, but it also depends on the specific loan amount, personal qualifications and real estate conditions.
3, credit card home improvement staging. Due to the limited financial affordability of applicants, many banks have developed a more humanized product, namely, credit card installment payment service, which is mainly aimed at people living in large and medium-sized cities. They just bought houses and have no money to decorate them, but they require applicants to have a good credit record.
Second, the credit card decoration loan process of CCB
1. The applicant fills in the application form at CCB outlets and submits relevant materials such as ID card and property right certificate;
2 CCB accepts the application and informs the applicant of the examination and approval results;
3. According to the progress of house decoration, the applicant applies to CCB for the expenditure quota;
4. CCB will issue the modification quota to the credit card/special debit card account under the applicant's name;
5. The applicant uses a special debit card to spend money at the merchant designated by CCB, and repays according to the amount listed in the credit card statement.
Third, is the renovation loan cost-effective for CCB?
1, CCB Meijia Loan. China Construction Bank is one of the four state-owned banks, and its decoration loan business is a household name. Not long ago, CCB launched a consumer loan, which can be used for decoration. The threshold is simple. As long as customers who apply for and issue housing loans in CCB have repaid the loans for more than 65,438+0 years and the loans have not been settled, they can apply for personal housing renovation loans of up to 300,000 yuan in CCB without mortgage or guarantee. The specific amount is 30% of the house value, and the longest loan period is 3 years. This standard also applies to customers who buy second-hand houses with loans from CCB. As long as the normal repayment is more than 2 years, second-hand housing customers can also apply for loans, and there is no need for mortgages and guarantees.
2. renovation loan interest rate. According to the market pricing principle, the loan interest rate of CCB will be comprehensively priced according to the credit status of customers and the quality of houses. Customers with good conditions will get more favorable interest rates. Generally speaking, the loan interest rate will fluctuate on the benchmark interest rate.
When many people hear the contradiction of loans, they think that loans are not a good thing and will pay more back to banks, but they may change their minds after understanding the specific operation process. The above is the credit card decoration loan of CCB that we introduced to you.