As long as customers who apply for and issue housing loans in CCB and the loans have not been settled for more than 1 year, they can apply for a personal housing renovation loan of 300,000 yuan in CCB without mortgage or guarantee. The specific loan amount is about 30% of the house value, and the longest loan period is 3 years.
This standard also applies to customers who purchase second-hand houses with renovation loans from CCB. As long as the normal repayment is more than 2 years, second-hand housing customers can also apply for this kind of loan without mortgage and guarantee.
2. How many years can the renovation loan of CCB be loaned?
If the renovated house is not self-occupied, the loan is valid for up to 3 years. From this perspective, the validity period of the decoration loan is determined according to the type of house. It doesn't mean that the lender wants to apply for a house with the highest loan 10, which has been paying off the mortgage for several years, and has already paid off 00000 yuan.
3. What is the mortgage loan amount?
Second, the focus now is on decoration, and the foundation has been decorated. I heard that some cities can use housing provident fund loans to decorate now, but you don't know if it will work. If not. . In fact, the basic decoration is still possible. You mean soft decoration. It is convenient to add some decoration in the future, so you can only go to commercial banks. The four major banks are similar, all of which are loans. First, most people are penniless after buying a house.
4. What is the reason for applying for a decoration loan of 300,000 yuan in China Construction Bank and only approving 6,543,800 yuan?
User qualification can only be lent to 10W. When applying for a loan, because the customer's qualification is not good enough, he applied for a loan of less than 30W. It is estimated that he can only apply for a loan of 10W, and then the bank will confirm with the customer whether he wants a loan of 10W. If confirmed with the customer, the bank will only lend 10W.