Second, the application conditions

Have permanent residence in cities and towns or valid residence status;

(2) There is a property right certificate or a certificate issued by the house property unit that the borrower has the right to use the house; If the property right of the house you want to decorate is your own, you must have a property right certificate. If it is a unit house, you need to prove that you have the right to use it.

(three) a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule.

Third, the application materials

(1) Original and photocopy of legal identity documents (resident identity card, household registration book or other valid residence documents);

(2) The house title certificate or house use certificate with the borrower's name;

(three) the economic income certificate issued by the unit;

(four) the construction contract of the house renovation project;

(5) If it is a mortgage loan, it is required to have the property right certificate of the mortgaged property, the list of pledged property, the certificate that the dispossessor agrees to mortgage or pledge, and the appraisal report of the mortgaged property;

(six) the guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

Four, CCB renovation loan process

1. When the borrower applies for a personal housing renovation loan from China Construction Bank, he must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures;

2. The account manager shall sign the loan contract after reviewing and reporting 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 CCB, so that the customer can use the loan funds;

4. Sign a decoration agreement with the decoration enterprise and pay the decoration fee.