Ms. Huang: Consulting the renovation loan of CCB. My son lives in Guangsha District, and his new house is ready for renovation. The house already has a provident fund loan. Can he still apply for a decoration loan? What is the specific process?
Question answer: Decoration by stages is the premise for the builder to carry out fine decoration construction at home. It can be used to meet the relevant consumption needs of special staging businesses such as hard clothes, soft clothes, furniture and household appliances. The application is simple and quick, and customers can apply for spending part or all of the money after the renovation progress reaches hydropower or masonry completion, which is very suitable for the needs of home improvement customers. Customers only need to provide mortgage contract, purchase invoice and relevant identification to apply, with a maximum amount of 500,000, which can be divided into five years at the longest. Our decoration by stages is simple and convenient, and the rate is favorable, which is very suitable for your needs!
Shantou citizens: Is Shantou Housing Provident Fund now under the management of CCB? Or does it belong to another management organization? How to use the early provident fund passbook?
Answer: The management institution of Shantou Housing Provident Fund is Shantou Housing Provident Fund Management Center, and CCB is one of the entrusted banks that handle the provident fund business. If your provident fund passbook is issued by CCB, that is, you open an account in CCB, please bring your provident fund passbook and ID card to the counter of CCB's provident fund business outlets for inquiry and handling.
Handsome guy: Hello, I want to know about provident fund loans. Is the mortgage amount based on the year when the provident fund is paid? There is also the assumption that both husband and wife can get the maximum loan amount, but there is still a gap from the total loan amount. Does the rest have to be transferred to commercial loans? Finally, does the loan amount meet the contract? Suppose the loan is 500,000 yuan, but only 300,000 yuan is borrowed in the end. Is it necessary to modify the contract for the rest?
Answer to the question: Hello! Thank you for your question and concern. The loanable amount of provident fund loans is mainly related to the deposit period of your provident fund, the monthly deposit amount, the balance of the provident fund and the age of the depositor. At present, the maximum amount of a single housing provident fund loan in our city is 700,000 yuan. If the loanable amount calculated by both husband and wife is higher than 700,000 yuan, and it is in line with the loan policy of commercial banks, the rest can be used for commercial loans, which is often called provident fund portfolio loans. According to the provident fund loan policy of our city, the loan amount for first-hand houses does not exceed 70% of the property value, and that for second-hand houses does not exceed 60% of the property value. If the loan amount can't meet the demand, it is necessary to increase the down payment, and the contract can't be modified at will.
Mr. Zhao: I transferred money from the APP of CCB this morning. Now customers urgently need to print the paper details of the transfer. At present, the counter of CCB has been closed. what can I do?
Question answer: within one year, through four electronic channels: online banking, mobile banking, telephone banking and SMS financial platform, you can inquire and print the receipt of the current transfer transaction at the bank intelligent teller machine with your bank card or resident ID card; Or query and print transactions such as transfer and remittance, national phone bill recharge, wealth management products (subscription, redemption and cancellation) handled in the smart teller machine channel within one year.
Ms. Xu: My brother is in high school, and the school gave him a CCB card. The school informed him to refund the deposit, but did not tell him the password. What should I do? Go to the counter
Answer: The bank card for batch account opening has an initial password. For the first time, you need to go to any bank outlet or ATM to activate your bank card and reset your password. For students under the age of 18, the legal guardian must hold the household registration medium, the valid identity certificate of the household registration owner, the valid identity certificate of the guardian and the documents (such as the household registration book) that prove the guardianship relationship between the two parties. For students who have reached the age of 18, they must be activated by the account owner with valid identity documents and account media.
Ms. Li: I want to start a company, and I have got my business license. Now I want to open a Gong Hu in CCB. What information do you need to prepare?
Answer: If it is a legal person, you only need to bring the original business license and the original legal person ID card. If an unincorporated person handles it personally, but entrusts your employees to handle it, in addition to the original business license and legal person ID card, it is also necessary to provide the original power of attorney and the ID card of the handler. In addition, if you apply for basic deposit account after the issuance of the business license, you must provide the account number of basic deposit account in addition to the above information. On March 26th, 2020 15:20, the bank paid a return visit to the customers to find out the specific situation. Customers have a clear understanding of the specific account opening process and may contact the bank again in the future.
Chen: How to handle mobile banking?
Question answer: If you have registered our online banking before, you can open your own mobile banking in the "My Account-Mobile Banking Management-Contract Maintenance" menu of online banking, and then authenticate yourself through the online banking shield. If you haven't registered to use our online banking before, you can download the China Construction Bank APP in the mobile app store, then select the "Open" menu and fill in the relevant information according to the prompts. Of course, because there is relatively little identity authentication information when opening mobile banking in this way, only account inquiry and investment and financial management functions can be used, and the transfer function cannot be used.
Female Local: Can CCB add more ATMs in Yu Xiang in spring?
Answer to the question: Hello! Thank you for your interest in CCB services. The Bank has deployed 337 self-service devices, 56 affiliated self-service banks and 98 off-bank self-service banks (including off-bank single-point devices) throughout the city, covering the central city and all districts and counties. With the development of business and the upgrading of wisdom, the bank also chose to highlight its outlets to build intelligent service areas, and set up various types of intelligent ATMs 177 to provide multi-level, safe and fast self-service financial services for public customers. At present, there are two self-service banks affiliated to the Bank, Hanjiang Sub-branch and Longxi Sub-branch, and there are eight ATMs in Wei Xuan (place name) off-bank self-service bank around Xiangyu Spring. Please choose our self-service service nearby. It is recommended that you open online financial channels such as mobile banking, online banking and WeChat banking, and experience all-round services such as 24-hour inquiry, transfer and payment.
Big man: excuse me, I see that CCB is offering some loans now, saying that it only needs my ID card. Is there a designated way for this kind of loan? In other words, it must be used in this respect. Are there any restrictions in this respect? Or is there any standard to calculate his specific quota?
Answer to the question: our bank launched online personal fast loan, which is pure credit and free of mortgage. You can log in to China Construction Bank's mobile banking, online banking or bring your ID card to the outlets for inquiry. Applying for a quick loan can be used for car purchase, shopping, decoration and other consumer needs, as well as liquidity turnover needs. , can not be used for housing, securities investment, illegal lending and other laws and regulations prohibited consumer investment behavior. The specific limit is automatically calculated by the system through the customer's assets, mortgage, payroll, credit information and other information in our bank. In addition, the bank currently has a phased product. Staging is a special staging quota granted by the bank in advance for high-quality customers based on the conditions of good credit record, stable professional income and normal card consumption behavior in the bank, which is used to meet the daily demand for large-scale consumer credit. After the customer successfully handles it, the installment payment business can be consumed in the designated type of merchants. The funds are used for large-scale durable goods consumption, wedding, child care, settlement, health and other diversified consumption areas, but the installment funds are not used for real estate sales.
Small things in big cities: can self-employed people apply for small and micro loans now? Do you need any certificates or vouchers, and do you need to provide records of expenses and income?
Answer to the question: Yes, self-employed individuals need to provide business licenses and ID cards when applying for small and micro loans, and do not need to provide expenditure and income records when handling self-employed fast loans or self-employed mortgage fast loans at CCB.
Article source: Shantou Radio and Television Station