What should I do if the CCB decoration loan limit is too large and cannot be used up?

Hello, there are so many platforms that can provide lending business. You can apply for a bank loan through mortgage. The more convenient way is to apply for a personal credit loan. It is recommended that you choose a regular platform when applying for a loan, so as to better Protect your personal interests and information security.

It is recommended to use Youqianhua. Youqianhua, formerly known as "Baidu Youqianhua", is a credit brand under Duxiaoman Financial. It provides users with safe, convenient, unsecured, and unsecured credit services. You can borrow money with ease. Go to Du Xiaoman Financial APP (click on the official amount measurement). Money to spend - Manyidai, with daily interest rates starting as low as 0.02, has the characteristics of easy application, low interest rates, fast disbursement, flexible borrowing and repayment, transparent interest fees, and strong security.

Share with you the application conditions for money-to-spend consumer products: they are mainly divided into two parts: age requirements and document requirements.

1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application.

2. Information requirements: During the application process, you need to provide your second-generation ID card and personal debit card.

Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

This answer is provided by Youqianhua. Due to objective reasons such as the timeliness of the content, if the answer content is not calculated with the actual interest rate of Youqianhua products. I applied for a CCB Quick Loan of 100,000. Can I withdraw the money? How can I cancel if I don’t need to apply?

CCB’s loans can be withdrawn. It doesn’t matter if you apply and don’t use it. Do not sign when you apply for the loan. Explain the reason to the bank staff, or just leave it there and wait until the contract expires. Invalid.

Generally speaking, bank loans can be withdrawn. The money will be transferred to your bank card, and you can withdraw cash directly from the bank card. If you want to cancel the loan, you should do it in the last step of the procedure without signing. It doesn't matter if you apply. When the loan is finally approved, you just need to sign it and it doesn't matter. You can also withdraw cash after applying for CCB's quick loan quota. As long as you enter CCB mobile banking and operate the loan step, you can put it on the bound CCB card, and then you can withdraw cash for use. The repayment method is a one-time repayment of the principal. Interest-paying. It doesn't matter if you apply and don't use it. The interest will only be calculated if it is useful. If it is not used, it will not be considered interest. Just leave it there. After the one-year contract period expires, the quota will automatically expire and will not have any impact. If you really want to cancel Just contact the branch account manager to complete the loan performance for you in advance. You can call or go directly to the counter to cancel the loan and tell the staff that you no longer need to use the service. The premise is that if you apply for a quick loan, it is best to keep the repayment date in mind and try to repay a few days in advance to avoid automatic deduction failure and affect your personal credit score. What is certain is that CCB Quick Loan must go to the credit bureau. After all, it is a big bank and has close ties with the central bank.

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1. Review risk: The occurrence of loan risks often begins at the loan review stage. Based on the disputes that occur in judicial practice, it can be seen that during the loan review stage The risks that arise mainly occur in the following links.

1) Omissions in the review content may cause credit risks to bank loan reviewers. Loan review is a meticulous work that requires investigators to conduct systematic inspection and investigation on the qualifications, qualifications, credit, and property status of the loan subject.

2) In practice, some commercial banks do not conduct due diligence, and the relevant loan review personnel often only focus on the identification of documents, but lack due diligence. In this way, it is difficult to identify fraud in loans, and it is very difficult to identify fraud in loans. Easily cause credit risk.

3) Many erroneous judgments are caused by banks not seeking expert opinions on the relevant content or letting professionals make professional judgments. During the loan review process, it is not only necessary to ascertain the facts, but also to make professional judgments on the relevant facts in legal, financial and other aspects. In practice, most loan review processes are not very rigorous and in place.

2. CCB Quick Loan has created a new loan model. Customers only need to apply online to complete the loan process by themselves. If a customer cannot apply for a CCB quick loan, there may be two main reasons:

1) To apply for a "quick loan", you need to be a CCB personal customer. If you have not yet become a customer of our bank or have not yet applied for a CCB shield, Customers cannot apply for quick loans.

2) During the process of applying for a quick loan, you need to insert the shield. If you don’t have the shield, you can apply for a loan and get the loan approval amount, but you cannot complete the entire loan process. At this time, you need to confirm that you have brought the shield with you. . If the CCB decoration loan limit is not used up, it will take several months to recover it.

Five years.

The validity period of CCB’s renovation loan mainly depends on the type of house, not the borrower. The maximum validity period of CCB’s renovation loan is five years. However, if the house applied for renovation is not a self-occupied house, the validity period of the loan will be shortened to three years.

The maximum amount of a CCB renovation loan for a single-family loan is 1 million. If the house you are applying for renovation has paid off the mortgage for more than two years but has not yet paid it off, you can get a maximum loan of 300,000. CCB decoration loans are generally disbursed in about a week after the borrower meets the loan conditions. Does the CCB renovation loan limit have to be used up?

No, when applying, you can choose the amount based on your actual situation and repay as much as you use. For example, if you spend 30,000, you only need to repay 30,000. The unused amount will automatically expire. .

The upper limit of CCB's decoration installment funds is 1 million, and the installments are 6-60. The installment funds can be used for hard decoration, soft decoration, furniture, home appliances and other related consumer merchants. As long as you and your family's house is being renovated or is about to be renovated, and you bring your ID card, real estate certificate and other relevant certification materials, you can come to CCB to apply for renovation in installments and enjoy the high-quality services provided by CCB.

Extended information

The borrower must meet the following conditions at the same time:

(1) Have a legal identity document, a local permanent residence or a valid local residence certificate;

(2) Have good reputation, have stable economic income, and have the ability to repay the principal and interest of the loan on time;

(3) Be able to provide a guarantee method recognized by China Construction Bank or have credit recognized by China Construction Bank Qualifications;

(4) The "Home Decoration Project Contract" signed with the decoration company, or the "Contract for the Purchase of Home Decoration Materials" or "Contract for the Purchase of Kitchen and Bathroom Equipment" signed with the decoration material supplier, or provide Home decoration budget;

(5) Other conditions stipulated by China Construction Bank.

Baidu Encyclopedia-CCB Decoration Loan