"Personal consumption loan" refers to the RMB loan that meets the needs of borrowers and families for various consumption expenses. The loan subject is a citizen of China, aged 18 ~ 65 years old, with local permanent residence or local long-term residence certificate, fixed residence and collateral. Loans can be used for car purchase, house decoration and other consumer purposes. Collateral requirements: collateral type and loan ratio: 70% for individual ordinary housing and 50%-60% for commercial housing facing the street; Villa/townhouse 50%; Office buildings and self-use office buildings 40%; Service life of mortgaged property: it meets one of the access criteria of mortgaged property: (1) The building age of mortgaged property must be within 20 years (inclusive), and the construction area must be above 80 square meters (inclusive); (2) The value of collateral is higher than 6,543,800 yuan (inclusive); The area where the collateral is located: basically according to the scope of small Hangzhou (Hangzhou urban area and Yuhang Xiaoshan); Third-party mortgage is not supported.

Chinese name

Personal consumption loan of China Construction Bank

abbreviate

CCB Personal Loan

choose

Adult citizen of China

loan limit

5.00-65438+500,000 yuan

credit institution

China construction bank

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Product introduction

Personal consumption loan of China Construction Bank

Lender: China Construction Bank.

Type of institution: microfinance bank

Loan type: mortgage loan

Repayment method: due repayment.

Loan amount: 500- 1.5 million.

Suitable area: Hangzhou

Spread out completely

Product introduction

Product advantage

1, a citizen of China, 18 ~ 65 years old, with local permanent residence or local long-term residence certificate, and residents with fixed residence and collateral can apply for it by themselves.

2. The maximum loan amount is 6,543,800 yuan+0.5 million yuan.

Revolving loan can be used for 2 to 5 years.

Letter of credit clause

1. The age of the mortgaged property must be within 20 years (inclusive) and the construction area must be above 80 square meters (inclusive);

2. The value of collateral is higher than 6,543,800 yuan (inclusive);

3. Collateral basically follows the scope of small Hangzhou (Hangzhou urban area and Yuhang Xiaoshan);

4. Third-party mortgage is not supported.

5. Applicant: a natural person who has reached the age of 18 and has full capacity for civil conduct;

6. Age: The sum of the borrower's age and the loan term shall not exceed 65 years old;

7. Household registration: having a local permanent residence or long-term residence certificate and a fixed residence.

Application material

1. Original and photocopy of the borrower's valid identity certificate;

2. Local permanent residence or valid residence identity certificate;

3 proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill and insurance policy;

4. Pledge, list of collateral and ownership certificate required for the borrower to obtain the amount of pledge and mortgage, as well as written documents of the owner and the real estate agreeing to pledge and mortgage;

5. A written document that the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount;

6, the guarantor's credit certification materials;

7. Collateral appraisal report issued by the appraisal department recognized by the society;

8. Other documents and materials specified by the Construction Bank.