The decoration loan of CCB is suitable for high-quality customers who are over 0/8 years old, have good health and stable income, and are 0 years old at the time of application. Application channel: merchants from different places and decoration partners submit applications for decoration staging business to CCB staff.
The main application materials are as follows:
(1) the identity certificate of the customer;
(two) the property right certificate of the house to be renovated.
Financial proof.
(4) If the customer provides the identity documents of all the adult owners of the house and the proof of relationship with the applicant.
(5) If the customer applies for decoration by stages, a list of cooperative merchants shall be provided.
Note: The application materials required by different regions may be slightly different, and the local construction behavior shall prevail.
(In case of business changes, please refer to the actual situation. )
Second, CCB decoration loan application conditions
China Construction Bank decoration loan application conditions
1. Applicant 18-60 years old, with full capacity for civil conduct;
2. Have a local permanent residence or a foreign residence but a local valid residence certificate;
3. Have a fixed residence;
4. Have a stable job and income;
5. There are certificates such as the Home Decoration Project Contract signed with the decoration enterprise;
6. Having a current savings account in CCB;
7. Being able to provide the guarantee recognized by CCB;
8. Other conditions required by CCB.
China Construction Bank Decoration Loan Application Materials
(1) Original and photocopy of valid identity documents;
(2) A borrower's income certificate issued by a department recognized by the loan bank;
(3) List of title certificates, ownership certificates of mortgaged or pledged property, and proof that the person who has the right to dispose of the property (including the property owner) agrees to dispose of it. If the guarantee is provided by a third party, a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee shall be issued;
(four) there is a "Beijing family room decoration project construction contract" signed with the decoration enterprise, and the decoration enterprise must sign a "cooperation agreement" with the China Construction Bank branch;
(five) the house ownership certificate or lease contract of the renovated house registered by the Municipal Housing and Land Administration; (6) Other conditions stipulated by the lending bank.
China Construction Bank Decoration Loan Application Method
1, mortgage loan
If you have real estate, cars and other assets in your name, you can give these assets to a loan company to apply for a loan, so as to obtain funds. The amount of mortgage loans is relatively generous, and the interest rate is usually not high, which is more troublesome to handle.
2. Credit loan
If you have a stable job, stable income and good credit, you can apply for a credit loan to decorate your house. The maximum amount of credit loan is usually 10 times of monthly income.
3. credit card installment payment
If your decoration company cooperates with a bank, and you happen to be a credit card user of this bank, you can directly decorate the house by stages with your credit card. Credit card installment procedures are simple and quick to operate, which is suitable for friends who are afraid of trouble.
other
loan limit
The loan contract takes effect and the funds are transferred to the borrower's account. Seven. The starting point of personal durable consumer goods loan is 3000 yuan (inclusive). If the collateral is secured by mortgage, the value of the collateral shall be assessed in accordance with the relevant provisions of the Construction Bank, and the loan amount shall not exceed 70% of the assessed value of the collateral;
In case of pledge, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If credit or third-party guarantee is adopted (the guarantor is a natural person or legal person), the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan.
deadline
The shortest loan period is half a year and the longest is five years (including five years).
loan rate
The loan interest rate shall be implemented according to the loan interest rate for the same period stipulated by the People's Bank of China, and may fluctuate within the scope stipulated by the People's Bank.
Simply put, 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. It can be seen that this is a branch of personal credit loan and a special loan for house decoration. In other words, when applying for a loan, the bank will not only review the materials provided by the applicant, but also relatively review the applicant's credit information, so it is best for those who want to apply for a loan not to have bad records.
3. Can China Construction Bank apply for renovation loans by itself?
Banks such as CCB can apply for renovation loans themselves. Many people give it to professionals because they have no time and are afraid of trouble. As long as you have time, you can prepare some information about the decoration loan and apply to CCB. If you don't know what materials you need, you can go to China Construction Bank to get a detailed list of information for applying for renovation loans. If you don't know how to fill in the information, you can also ask the bank staff. Running by yourself means running twice more.
4. What are the requirements for how to handle the renovation loan of CCB?
The decoration loan of CCB is suitable for high-quality customers who are over 0/8 years old, have good credit, good professional conditions and stable income, and the sum of the number of installments and the age at the time of application is generally not more than 60 years old. Application channel: customers can submit applications for decoration staging business to CCB staff through CCB outlets, marketing sites and decoration cooperative merchants. The main application materials are as follows: (1) Customer ID. (two) the property right certificate of the house to be renovated. (3) Proof of the customer's work, income and financial resources. (4) If the customer is not the owner of the renovated house (one of them), the identity certificate of all the adult owners of the house and the proof of the relationship with the applicant shall be provided. (5) If the customer applies for the decoration business by stages, it shall provide the decoration order/contract/quotation issued by the cooperative merchant. Note: The application materials required by different regions may be slightly different, and the local construction behavior shall prevail. (In case of business changes, please refer to the actual situation. )