1. The customer submits a written application to China Construction Bank and submits relevant materials.
2, the construction bank to submit the application materials for investigation and approval.
3. Sign the loan contract after approval.
4. CCB issues loans.
5. The contract comes into effect and the borrower repays the loan on time.
For more information about the renovation loan process of CCB, please visit: See More.
What is the lending process of CCB's credit card decoration loan?
It is also very common to decorate loans with credit cards now. In fact, using a credit card to decorate a loan is in stages. Then, do you know what the credit card decoration loan lending process of CCB is like? Let me give you a detailed introduction for your reference.
What is the credit card decoration loan of CCB?
The credit card decoration loan of CCB refers to the installment payment business of Longka credit card decoration. The applicant applies to CCB for a special installment quota for the renovation of family houses (including self-owned houses, houses with the same property rights, houses under the name of spouses or immediate family members) to pay for the renovation-related expenses.
What is the lending process of CCB's credit card decoration loan?
1. The applicant fills in the application form at CCB outlets and submits ID cards, property certificates and other related materials;
2. The Construction Bank accepts the application and informs the applicant of the examination and approval results;
3. According to the progress of house decoration, the applicant applies to CCB for the expenditure quota;
4. CCB will issue the renovation quota to the credit card/special debit card account in the name of the applicant;
5. The applicant uses a special debit card to spend at the merchant designated by CCB, and repays according to the amount listed in the credit card statement.
That's all about the credit card decoration loan lending process of CCB. I hope it works for you.
, you can handle all kinds of credit cards quickly and safely.
How to borrow a decoration loan from CCB?
Treatment process
1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.
3. issue loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.
4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.
5. loan settlement. Loan settlement includes normal settlement and early settlement.
(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: Before the loan expires, the borrower must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after approval by the bank.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Extended data:
"Home improvement loan" is all personal loan products with decoration financing service function of China Construction Bank, including personal housing mortgage loan and personal consumption loan.
Basic rule
1. Loan object: It is suitable for China citizens who have full civil capacity and need renovation financing and are over 18 years old but not over 60 years old.
2. Loan purpose: decoration purpose.
3. Guarantee methods: mortgage, guarantee, pledge and credit.
4. Loan amount: the loan amount of a single household shall not exceed 6,543,800 yuan; Among them, for the housing loan customers who apply for loans, if the renovation of the houses purchased by their housing loans has normally repaid the housing loans for more than 2 years (inclusive) and there is no record of default or other defaults, the Construction Bank will directly give credit consumption loans with a maximum of not more than 300,000 yuan (inclusive) and not more than 30% of the house value (subject to the collateral value confirmed when handling housing loans).
5. Loan term: no more than five years.
6. Loan interest rate: The loan interest rate of China Construction Bank shall apply.
7. Repayment methods: including equal principal and interest method, average capital method, one-time principal and interest repayment method at maturity, and arbitrary principal repayment method with interest paid on schedule.