The lending process of the renovation loan of CCB is as follows:
1. The loan applicant applies for a decoration loan to the CCB outlets, submits relevant materials and goes through the guarantee procedures.
Second, the account manager of CCB conducts investigation and review, and then reports it to the examination and approval department for examination and approval.
3. After signing the loan contract, the account manager will go through the loan formalities, and the subsequent payment will be paid to the individual designated account.
Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project.
Suggestions for loan review Every loan should be carefully reviewed, and the risk judgment of the loan should not be based on past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed.
Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly.
Loan officers (loan officers, members of the credit review team and members of the credit review committee) shall not engage in improper private contact with borrowers in loan activities.
Credit officers and their immediate family members shall not accept the borrower's cash, precious gifts, shopping vouchers, etc. ; Shall not participate in recreational activities paid by the borrower; No expenses shall be repaid to the borrower.
For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.
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Preliminary review and final review of CCB decoration loan
The preliminary examination and final examination of the renovation loan of CCB will generally take less than one month from application to lending. However, at present, the loan policies of major banks are tightened and the audit is more stringent. After the approval, the loan was also slow.
What are the renovation loan processes of CCB?
The application process for renovation loan of CCB is as follows: 1. Customers provide information. 1. The borrower shall provide a copy of the ID card. 2. The household registration certificate of the borrower and spouse. 3. The borrower's income certificate issued by the borrower's unit. 4. The borrower's passbook or deposit account number. 5. Housing lease contract signed with decoration company. 6. Cooperative institutions shall handle insurance and mortgage registration. 7. Other relevant procedures.
What should I do if the installment loan for renovation of CCB is rejected?
If the installment loan for renovation of CCB is rejected, you can ask the reason why CCB was rejected. For example, if the information is incomplete, you can prepare the information and resubmit the application. If you are refused a loan because of poor credit information, you can only accumulate it for a certain period of time and then resubmit the application. If the income is insufficient, only more financial certificates can be provided to make CCB think that the borrower has strong repayment ability, and then it is possible to pass the loan review.
Can I apply again if the renovation loan of CCB is rejected?
If the renovation loan of CCB is rejected, users can submit a loan application to CCB again or apply for a renovation loan from another bank. After the user's application for CCB decoration loan is rejected, he can consult the reasons for the rejection of CCB loan. After understanding the reasons for rejection, users can solve the problem before submitting the loan application, which will increase the chances of passing the examination. However, if the user fails to solve the problem and submits the loan application again, the loan review result is likely to fail, so the focus of reapplication is to solve the existing problems.
Data expansion:
The renovation loan of CCB has strict requirements for the applicant's personal credit information. If the applicant's personal credit record is overdue and other bad records, CCB will definitely not approve it. Even if the applicant's personal credit inquiry times are more, which leads to the increase of credit cost, the possibility of rejection is not ruled out.
What are the requirements for how to handle the renovation loan of CCB?
1. The borrower applies for personal decoration loan business through the branch of China Construction Bank that offers personal housing decoration loan business.
Two, generally including acceptance, investigation, approval, distribution, post loan management five stages.
1, accepted
2. Preliminary examination of qualifications and conditions
Step 3 accept the application
Step 4 investigate
Step 5 agree
Step 6 distribute
Step 7 retreat
Three, the borrower must meet the following conditions:
1, with legal identity documents, local permanent residence or local valid residence certificate;
2, good reputation, stable economic income, with the ability to repay the loan principal and interest on schedule;
3. Being able to provide the guarantee method approved by China Construction Bank or have the credit qualification approved by China Construction Bank;
4. The home decoration project contract signed with the decoration enterprise, or the contract signed with the decoration material supplier for purchasing home decoration materials, kitchen and bathroom equipment, or providing the home decoration budget;
5. Other conditions stipulated by the Construction Bank.
Extended data
Matters needing attention
1. Personal housing renovation loan is a loan issued by the bank to the borrower for the renovation of its own housing. The house decoration mentioned here refers to the engineering activities of transforming and processing houses by using decorative materials. In other words, the property must be your own.
2. The special requirements in the house decoration loan are: the renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the relevant departments; Some banks also require owners to have no less than 30% of the total decoration budget, and then use the loan after investing in the project construction.
According to the regulations of the bank, personal consumption loans are generally not allowed to withdraw cash. The bank will transfer the money to the account of the decoration company.
4, the loan period is generally not more than 5 years.