If it is the housing installment payment applied by CCB's credit card, CCB will send you a text message after approval. After receiving the SMS, you can go to the cooperative merchants designated by CCB to spend money, brush a special staging POS machine, and agree on the number of staging and the handling fee rate. If the personal consumption loan applied for in the personal loan department of CCB is for decoration purposes, the handling personnel will also inform you that the loan has been released after the audit. Or you can check the balance of the loan account yourself.
Further reading
The renovation loan of China Construction Bank refers to the RMB guaranteed loan issued by the Construction Bank to individual customers for renovating their own houses. The target is/kloc-personal housing renovation loan for China citizens aged 0/8 to 60 with full civil capacity.
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The borrower must meet the following conditions:
(1) Have legal identity documents, local permanent residence or local valid residence certificate;
(2) It has a good reputation, stable economic income and the ability to repay the principal and interest of the loan on schedule;
(3) Being able to provide the guarantee method recognized by China Construction Bank or having the credit qualification recognized by China Construction Bank;
(4) A contract for home decoration projects signed with a decoration enterprise, or a contract for purchasing home decoration materials, kitchen and bathroom equipment signed with a decoration material supplier, or providing a budget for home decoration;
(5) Other conditions stipulated by the Construction Bank.
Approved quota
The starting point of personal housing renovation loan is RMB 5,000 (including RMB 5,000), and the maximum is RMB 654.38+RMB 500,000 (including RMB 654.38+RMB 500,000). Among them: if there is mortgage guarantee, the loan amount shall not exceed 70% of the value of the collateral; Where collateral is used (only China Construction Bank certificate of deposit), the loan amount shall not exceed 90% of the value of collateral.
Duration of use
The minimum loan period for individual housing renovation is half a year, and the longest loan period is not more than 5 years (including 5 years). Among them, the renovated house is a non-owner-occupied house, and the loan period is no more than 3 years (including 3 years).
Where can I check the mortgage of CCB?
Three ways of CCB-CCB mortgage inquiry;
1, online banking inquiry
You can go directly to CCB official website to find personal online banking, log in and inquire, and you can use functions such as account inquiry and customer service. If you want to have more and better services, you can apply for online banking shield at CCB-CCB outlets and upgrade to an online banking signing customer. In addition to the services of ordinary customers, contracted customers can also enjoy various forms of transfer and remittance, payment, wealth management, personal loans and other services. If you want to terminate the e-banking service, just click to terminate the online banking service.
2. Telephone enquiry
Telephone inquiry is more convenient. You can call CCB-CCB's customer service hotline 95533 directly, and follow the voice prompts to enter the relevant ID number for inquiry.
3, business hall query
If you are not used to inquiring in the above two ways, you can also inquire directly in CCB-CCB's business hall. When inquiring, you need to bring your personal ID card and mortgage bank card.
How to inquire about CCB-CCB's mortgage?
Construction Bank mortgage inquiry website entrance:
The online banking of China Construction Bank is divided into personal online banking and enterprise online banking.
Personal online banking is a comprehensive personal banking service enjoyed by customers of China Construction Bank through the Internet, including account inquiry, transfer and remittance, etc. Enterprise online banking is a commercial bank network service system based on Internet, relying on China Construction Bank's fund settlement system and core system, and using CA certification.
The website of China Construction Bank is:, but some provinces have no online loan inquiry function, so it is impossible to inquire about loans online. According to the actual situation of each customer (whether they can access the Internet or not), it is recommended that the repayment account sign up for online banking, and check the account balance and subsidiary ledger regularly every month.
CCB mortgage progress inquiry steps:
1. Certified users log on to their personal homepage and click on the loan progress query under My Loan;
2. Select query type: customer, select certificate type, enter certificate number and customer name, and click Query;
3. The page displays the customer application information and the current application progress of the customer loan under the current progress column;
4. Put the mouse on the current progress bar of a loan to see the loan progress display bar of the loan;
5. Users can modify the loan application;
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Consortium lending
Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
Where can I inquire about CCB loans?
Many borrowers applied for long-term loans in banks, but after a period of time, they found that they had forgotten how much principal they had paid and how much interest they needed to pay. If they want to pay in advance, I don't know if it's cost-effective. Where can I find the loan amount of CCB? All four methods can be used: computer official website, mobile banking, telephone banking and bank counter.
Loan business of China Construction Bank. Determine the loan amount according to personal assets and credit rating.
Specific inquiry method of CCB loan amount:
Computer official website: The borrower logs into official website of China Construction Bank on the computer, enters the home page and finds the basic information of personal loan-my loan-account. You can view your own loan information, loan balance, repayment details, repayment of each installment and other related contents.
Mobile banking: Borrowers can also log in to the mobile APP of CCB and find a personal loan-my loan, so that they can check their loan balance, repayment details, repayment status of each installment and so on.
Call the bank: The borrower can also call the loan hotline of CCB directly, inform the customer service of CCB of his loan contract number and identity information, and then ask the customer service for help.
Bank counter: borrowers can also bring their bank cards, personal identity cards and other contents directly to the bank counter and ask the staff for help.
If the borrower wants to repay the loan in advance, he needs to call the bank seven days before the repayment date and apply for early repayment. After the bank agrees, the two parties agree on the repayment date, and then the borrower takes the repayment card to the bank. Re-sign a loan contract with the bank, determine the next repayment plan, and then recharge the money into the repayment card, and the bank directly deducts the money.
Loan settlement, including normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); ② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
How to query personal loan information through CCB online banking?
Please log in to CCB's personal online banking and inquire about personal loan information through the "loan service" menu.
If the customer has not opened online banking, please log in to CCB official website, select personal online banking in the login area on the left, click Login to enter the online banking login page, click Open Now, and complete the operation according to the prompts. If the customer cannot find the relevant loan information through online banking, please contact the loan handling bank.
(In case of business changes, please refer to the actual situation. )