What should I do if I want to decorate my new house but feel ashamed? All major banks provide decoration loan products for users. With so many banks, how to determine which bank to apply for a loan from? Just decide according to your own needs. Through negotiation by the borrower, can I borrow150,000 yuan for the renovation of CCB? Remember to calculate interest before applying!

Is it okay for CCB to lend150,000?

CCB renovation loan150,000 60 installment is not accepted in principle. Generally, the longest repayment period of decoration loans granted by CCB to borrowers is 3 years, that is, 36 installments. If the borrower wants to apply for 60 installments (5 years), he needs to negotiate with CCB. Only when the borrower's personal qualifications are very good can CCB agree.

In addition, the bank's loan interest rate is based on the LPR interest rate. The loan interest rate for less than five years is different from that for five years. For example, the benchmark interest rate of CCB's one-year loan is 0, while the benchmark interest rate of CCB's five-year loan is 6.5438+0.5 million yuan, which is divided into 60 periods, and the principal of each period is 654.38+0.50000/60 = 2,500 yuan. The annual interest is RMB. The total interest is 36,750 yuan.

If the borrower chooses to repay the loan in three years, the principal of each installment shall be RMB according to the loan interest rate. The annual interest is 100 yuan. The total interest is 17325 yuan.

In this way, the installment time is shorter, which is naturally more cost-effective and saves interest. However, if the borrower's income cannot support the short-term monthly payment temporarily, he can also choose the long-term monthly payment.

The above is "CCB renovation loan150,000?" I hope I can help you!

Construction bank decoration loan conditions

Both loan products and online loan products of commercial banks need to meet certain application conditions before they can be processed. The decoration loan of CCB has always been a favorite product of users. What are its application conditions? [Details of Borrower] 1. Eighteen to sixty years old, with local permanent residence or foreign residence, but with valid local residence certificate and fixed residence; 2. Have stable professional and economic income or assets that are easy to realize; 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, and a home decoration budget; 4. Open a current savings account in China Construction Bank; 5. Provide the guarantee approved by CCB; 6. Other conditions meeting the requirements of China Construction Bank. [Information provided by the borrower] 1. The borrower should fill in the Application for Personal Housing Decoration Loan of China Construction Bank and provide the following information: 2. Original and photocopy of resident identity documents (ID card, household registration book, military officer's card or other valid identity documents); Personal income certificate (income certificate issued by the unit, payroll, tax bill, bank deposit certificate that can be used for repayment, etc.). ).); 4. The home decoration project contract, home decoration material purchase contract, kitchen and bathroom equipment purchase contract and home decoration budget signed with the decoration enterprise; 5. A copy of the business license and qualification certificate of the decoration enterprise; 6. Proof of ownership of mortgaged property, list of pledged property and certificate of rights, as well as proof that the person who has the right to dispose of it agrees to mortgage and pledge; Collateral must submit proof of ownership or right to use, valuation and insurance documents; The pledgee must also provide proof of rights; The guarantor agrees to guarantee the document; 7. Other materials required by the lending bank.

CCB loan160,000 yuan is the decoration normal?

Not normal.

The renovation loan amount of CCB is 6,543,800 yuan+6,000 yuan. The maximum loan amount of the renovation loan of CCB is 6,543,800 yuan+0.5 million yuan. The specific loan amount is determined according to the borrower's qualification.

Within the renovation loan amount of CCB, the repayment method of interest first, principal later and loan repayment can be adopted.

The introduction of the renovation loan of CCB10.5 million is over.