Pre-approved a large amount of special installment quota, which is earmarked for special purposes.
1. The basic background of the establishment of China Construction Bank is that People's Republic of China (PRC) began to implement the first five-year plan to develop the national economy, and large-scale economic construction centered on 156 key projects has been launched in various parts of the country. In order to manage the huge construction funds, China Construction Bank came into being.
2. The Construction Bank is mainly responsible for centralized handling of national capital construction budget allocation and self-raised funds allocation by enterprises, supervising the rational use of funds, issuing short-term loans to construction enterprises and handling basic business settlement business.
3. While inheriting its original functions, China Construction Bank has continuously expanded its banking functions, and has successively opened many businesses such as credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance, and personal housing mortgage loans.
4. CCB has carried out or is carrying out a series of major reforms in fund management system, credit management system, financial management system and accounting system. The ability of the head office and tier-one branches to centrally dispatch and manage funds was enhanced, and the financial accounting system was further in line with international standards.
Second, how to borrow the decoration loan from CCB?
Decoration loans are more and more accepted by everyone, and the more popular is the decoration loan of CCB. To handle the renovation loan of CCB-CCB, it is necessary to meet certain conditions and follow the process. It is reported that the renovation loan process of CCB-CCB generally includes five stages: application, acceptance, investigation, approval, issuance and repayment. I. Construction Bank renovation loan process: 1. When the borrower applies for a personal housing renovation loan from China Construction Bank, he must apply to the business outlet where the business is started, fill in the application form, submit relevant materials and go through the relevant guarantee procedures; 2. Sign the loan contract after the account manager has approved it and submitted it to the examination and approval department for approval; 3. The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan funds; Personal housing renovation loan refers to the RMB loan granted by China Construction Bank to individual customers for the renovation of their own houses. Object of loan: The object of personal housing renovation loan is a natural person with full civil capacity. 2. Loan conditions: 1, 18 to 60 years old, with local permanent residence or foreign residence but local valid residence certificate and fixed residence; 2, a stable and legitimate source of income, the ability to repay the loan principal and interest on schedule; 3. There is a home decoration project contract signed with the decoration enterprise, or a home decoration material purchase contract, a kitchen and bathroom equipment purchase contract, or a home decoration budget; 4. Have the credit qualification recognized by China Construction Bank or be able to provide the guarantee recognized by China Construction Bank; 5. No bad records; 6. Meet other conditions stipulated by China Construction Bank. 3. Loan amount: not less than RMB 3,000 (inclusive) and not more than RMB 600,000. Four. Loan term: the shortest is half a year, and the longest is not more than 5 years (including 5 years). At present, there are two kinds of home improvement loans and a credit card installment form, as follows: 1. Apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. The consumer loan here means that the shortest loan period is half a year and the longest loan period is 5 years (including 5 years). Mortgage loan, that is, consumer loan with real estate as collateral and application; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
3. How to use the installment loan for renovation of CCB?
How to use the decoration loan of CCB?
1 The applicant can use the credit card issued by CCB to pay for his credit card spending after successfully applying for renovation loan from CCB.
After the quota is approved, it is necessary to complete the hydropower project of house decoration within half a year. After completion, it is submitted to CCB for acceptance, and then the bank lends 50% of the credit card, which can be used after activation.
Credit card loans should be used up within six months, and all credit lines will be invalid after the deadline. After use, it needs to be repaid within the specified time.
This kind of credit card can only be used in shops selling decoration products such as physical building materials market and furniture plaza, and online shopping malls are usually not allowed.
4. How to use the installment loan for renovation of CCB?
How to use the decoration loan of CCB?
1 The applicant can use the credit card issued by CCB to pay for his credit card spending after successfully applying for renovation loan from CCB.
After the quota is approved, it is necessary to complete the hydropower project of house decoration within half a year. After completion, it is submitted to CCB for acceptance, and then the bank lends 50% of the credit card, which can be used after activation.
Credit card loans should be used up within six months, and all credit lines will be invalid after the deadline. After use, it needs to be repaid within the specified time.
This kind of credit card can only be used in shops selling decoration products such as physical building materials market and furniture plaza, and online shopping malls are usually not allowed.