With the improvement of social economy, decoration is no longer a matter for the rich. Even some users who live for a long time have the demand for house decoration. If you want to pursue a better renovation plan, you will definitely spend a lot of money. Is the renovation loan of CCB cost-effective? Is the renovation loan of CCB easy to handle?
Is the renovation loan of CCB cost-effective?
The renovation loan of CCB is actually an installment credit loan, which does not require the borrower to provide mortgage or guarantee. To say that the plan is not cost-effective, we need to look at it according to the actual needs of borrowers.
If the borrower is short of funds but just needs renovation, it is definitely cost-effective to apply for renovation loan from CCB. Compared with other commercial banks' decoration loans, CCB's decoration loans not only have lower interest rates, but also have more loans.
If the borrower is actually well-off and just doesn't want to take all the money out for decoration at once, then it will still be a little loss to apply for a decoration loan from CCB. The main loss is the loan interest. If possible, the borrower can also choose to repay the loan in advance to reduce interest expenses.
Is the renovation loan of CCB easy to handle?
The requirements for the decoration loan of CCB are not high, and the applicant needs to be between 18-60 years old, with a local permanent residence and a local residence permit; Require the applicant to have a stable job and income; The applicant holds the certificate of "Home Decoration Project Contract" signed with the decoration enterprise; Have a current savings account in CCB.
In addition, the borrower's credit information cannot have credit stains. Meet these conditions, you can try to apply for a decoration loan at CCB!
The above is "Is the renovation loan of CCB cost-effective?" I hope I can help you!
How about the renovation loan of CCB?
Reportedly, China Construction Bank's home improvement cash loan is flexible in stages. Applicants can flexibly choose 6 months, 65,438+02 months, 65,438+08 months, 24 months and 36 months according to their repayment ability, which can help customers alleviate the financial pressure.
In addition, the exclusive installment quota does not affect the normal credit card consumption, which can effectively alleviate a series of financial pressures such as decorating a new home and buying furniture after buying a house with a loan, and also bring a brand-new financial management concept and relax the dream of "home".
Is CCB Decoration Loan Reliable?
Of course.
Requirements:
1. Loan target: The home improvement loan of CCB is applicable to China citizens who have full civil capacity and need decoration financing, and are over 18 years old and under 60 years old.
2. Guarantee method: CCB's home improvement loan provides a variety of guarantee methods, which can be selected according to its own needs, mainly including mortgage, guarantee, pledge and credit extension.
3. Loan amount: the loan amount of a single family does not exceed 6,543,800 yuan, in which the renovated house has been loaned and the repayment has been normal for more than 2 years, the maximum credit can be 300,000 yuan, and the specific loan amount does not exceed 30% of the house value.
4. The longest repayment period of the loan is no more than 5 years, and the repayment method is flexible. You can choose the equal principal and interest method, the average capital method, the one-time principal and interest payment method at maturity, and any principal repayment method with interest paid on schedule.
5. The loan interest rate of CCB's home improvement loan is implemented according to the central bank's loan interest rate for the same period, which can fluctuate up and down within the prescribed range, usually not too high.
Extended data:
Precautions:
1. Issue the loan purpose certificate. In order to ensure that the borrower will use the loan funds for legal and compliant purposes, the bank usually requires the borrower to issue a certificate on the purpose of the loan, which can be used for special purposes. Therefore, when applying for renovation loans, borrowers also need to provide relevant renovation contract or agreement.
2. Get into the habit of paying back on time. After obtaining the loan funds, the borrower should also keep in mind the repayment date, form the habit of repaying in full and on time every month, and avoid overdue repayment, resulting in bad credit.
3. Prepare loan information in advance. When applying for a loan, in addition to requiring the borrower to meet the relevant loan conditions, the borrower is also required to provide relevant loan information, which generally includes personal identity certificate, income certificate, work certificate, residence certificate and renovation contract. The borrower can make preparations in advance to avoid mistakes and omissions in the loan process, which will affect the loan approval.