China Construction Bank's decoration installment card is not a credit card, but actually refers to the installment payment business of China Construction Bank's Longka credit card decoration. Longka credit card decoration installment payment business refers to the applicant's application to China Construction Bank for special installment payment for decoration-related expenses due to the decoration needs of family houses (including self-owned houses, houses with the same property rights, houses under the names of spouses or immediate family members).
China Construction Bank's installment decoration amount is exclusive, which can meet all aspects of customers' home improvement needs. The application amount ranges from 200,000 yuan to 200,000 yuan. It is very simple and convenient to handle the renovation of CCB by stages. It is an exclusive one-stop channel, and customers do not need to go back and forth to the bank for business many times.
There are two main ways to collect the decoration fees of CCB by stages, one is one-time collection, and the other is installment collection. If the installment fee for renovation of CCB is charged at one time, it will be charged in the bill of the first month after installment, that is to say, the installment amount of the first month = cardholder's handling fee+installment amount/number of installments, and the monthly installment amount = installment amount/number of installments from the second month.
If the installment fee for renovation of CCB is charged by monthly installments, the monthly installment repayment amount = cardholder's monthly handling fee+installment amount/installment number. The interest rate of the renovation installment of CCB is 0.60% per month, which will not change due to the change of the number of installments. As for the handling fee for the renovation of CCB by stages, it can be collected at one time or by stages. If it is collected at one time, it will be directly included in the bill of the first month after the staging.
Construction Bank decoration loan application materials:
1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;
2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;
3. Real estate certificate of real estate mortgage (required for mortgage loan);
4. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;
5. The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that 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;
7. Other conditions required by banks or financial institutions.