Need to take photos of site construction.

It is necessary to take photos of the construction site for the approval of the decoration loan of CCB, so as to facilitate the examination of whether the decoration loan applied for is used for decoration purposes.

1. decoration loan application conditions 1, with legal identity documents, local permanent residence or local valid residence certificate; 2. Good reputation, stable economic income, and the ability to repay the loan principal and interest on schedule; 3. Being able to provide the guarantee method approved by China Construction Bank or have the credit qualification approved by China Construction Bank; 4. Sign a home decoration project contract with the decoration enterprise, or sign a contract with the decoration material supplier to purchase home decoration materials and kitchen and bathroom equipment.

2. Application materials for renovation loan 1, valid ID card, permanent residence certificate issued by neighborhood committee, and proof of identity and fixed residence. 2. The professional and personal income certificate issued by the unit, the stable work certificate for half a year or more (or the monthly salary bill provided by the unit in recent months) prove its repayment ability. 3. Real estate license (required for mortgage loan) is used for real estate mortgage. 4. Bank deposit statement, water and electricity tax bill and other certificates. To prove the quality of your credit. 5. The decoration project contract signed with the decoration enterprise, the purchase of decoration materials and other materials prove the purpose of the loan. 6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope.

Decoration loan application process 1. When the borrower applies for a house decoration loan, he must apply to the business outlet where the business is opened, fill in the application form, submit relevant materials and go through the relevant guarantee procedures. 2. After investigation and approval by the account manager and approval by the competent examination and approval department, sign the loan contract. 3. The account manager handles the loan procedures, transfers the money to the borrower's personal settlement account in our bank, and allows the customer to repay the loan funds at the business counter. 5. After the loan is settled, the bank terminates the creditor-debtor relationship with the customer and goes through the relevant formalities.

Can CCB really borrow 654.38 million yuan for decoration?

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 family does not exceed 6,543.8+0,000 yuan, where the renovated house has been loaned and has been repaid normally for more than 2 years, the maximum loan can be obtained by credit, 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.

Baidu Encyclopedia-China Construction Bank Decoration Loan

Is it necessary to save money for CCB's loan of 65,438+10,000 yuan?

Bank loans don't need to deposit money in the card first. A formal loan platform will not store money in its own card. Even if the card has no money, as long as it meets the basic conditions of the loan, has no bad credit record and has stable solvency, it can get the loan.

To apply for a bank loan, you need to prepare materials: valid identity documents; Proof of permanent residence or valid residence, proof of fixed residence; Proof of marital status; Bank flowing water; Proof of income or personal assets; Credit report; Use plan or loan use statement; Other information required by the bank. Requirements for bank loans: Persons who have reached the age of 18, have full capacity for civil conduct, and have permanent residence of urban residents or legal and valid identity certificates. Bank loans require lenders to be between 65,438+08-60 years old; Have a stable legal income and the ability to repay interest.

If you encounter loans to save money, most of them are loan routines. The name is to save money for capital verification, but the actual purpose is to cheat money. In this case, we must be cautious. In order to protect personal privacy and financial security, don't trust any loans that collect money in various names before lending, so as not to be cheated of money and information and bring losses to yourself.

How can I borrow 654.38 million yuan from China Construction Bank? What are the conditions for personal unsecured loans?

Conditions for obtaining a loan of 654.38 million yuan from China Construction Bank:

1. The applicant must be at least 18 years old and not more than 60 years old, and have full capacity for civil conduct.

2. Have legal and valid identity documents and personal household registration certificates.

3. The borrower and spouse meet the credit record conditions stipulated by the bank.

4. The borrower's qualification credit score meets the standard of large loan.

5. Stable income and the ability to repay credit on time. 6. The loan application is reasonable and clear.

7. Open a personal settlement account in the bank.

Conditions required for personal unsecured loans:

1. The applicant must be between 22 and 55 years old and have full capacity for civil conduct.

2. Applicants need to have good personal credit and no credit records such as malicious breach of contract and overdue payment.

3. The applicant must have a stable job, a legitimate source of monthly income, and be able to repay the loan principal and interest on time.

4. The purpose of the loan cannot be illegal, and the proof of consumption can be produced when necessary.

5. Meet other conditions of the lending institution.

Baidu encyclopedia-unsecured personal loan