Yongchuan CCB renovation loan needs to check personal credit report. According to relevant information, applying for a decoration loan in a bank only needs to look at the applicant's credit information. As long as the applicant's credit information is good, he will lend money, but he can't lend money if his credit information is not good.

2. Does CCB need to check the credit information twice before issuing renovation loans?

Banks will conduct a second review and credit investigation before issuing decoration loans, so don't apply for loans for the time being, and banks will lend money only after you have a good credit investigation.

3. Will CCB's renovation loan check the wife's credit?

If the husband is the main lender, he will check his wife's credit information. The credit of the principal lender is good, the spouse has not been overdue in the past two years, and the debt ratio is not high, which can basically pass the credit audit. However, poor spouse credit information will affect the audit results of CCB decoration loans. In fact, you can refer to the CCB outlets you applied for.

If the user's credit information does not meet the requirements, but CCB's high-quality customers, it is also possible to successfully apply for a decoration loan from CCB through audit.

4. Is it necessary to check the credit information for the renovation loan of CCB?

When users apply for the decoration loan of CCB, after submitting the loan information, they also need to authorize CCB to inquire about the personal credit report, so the decoration loan of CCB is for credit reporting. Of course, if the user's credit is good, it is also beneficial to pass the loan review. Bad credit reports may increase the difficulty of audit, and even lead to the direct rejection of loan applications.

Bank loans will check credit information, and successful loan applications will also check loan records to check credit information.