1. The renovation loan of China Construction Bank refers to the RMB guaranteed loan issued by China Construction Bank to individual customers for renovating their own houses. The target is a personal housing renovation loan, and the target is a China citizen aged 65,438+08-60 with full civil capacity. The borrower must meet the following conditions at the same time: having legal identity documents, local permanent residency or local valid residence documents; Good reputation, stable economic income, and the ability to repay the loan principal and interest on schedule; Being able to provide the guarantee method approved by China Construction Bank or having the credit qualification approved by China Construction Bank; The home improvement project contract signed with the decoration enterprise, or the home improvement material purchase contract signed with the decoration material supplier, the kitchen and bathroom equipment purchase contract, or the home improvement budget; Other conditions stipulated by the Construction Bank.
2. Approval amount The starting point of personal housing renovation loan is 5,000 yuan (including 5,000 yuan), and the maximum is 6.5438+0.5 million yuan (including 6.5438+0.5 million yuan). Among them, if collateral is used as a guarantee, the loan amount shall not exceed 70% of the value of collateral; If there is a pledge (China Construction Bank certificate of deposit only), the loan amount shall not exceed 90% of the value of the pledged property.
3. Service life The shortest loan period for personal housing renovation is half a year, and the longest loan period is no more than 5 years (including 5 years). If the renovated house is a non-owner-occupied house, the loan period shall not exceed 3 years (including 3 years). The loan interest rate for individual housing renovation shall be implemented in accordance with the loan interest rate for the same period stipulated by the People's Bank of China, and may fluctuate within the prescribed scope.
4. Mode of operation The borrower applies for personal decoration loan business through the branch of China Construction Bank, which operates personal housing decoration loan business. Operating Steps When applying for a loan, the borrower goes to the business departments and business departments of CCB branches to receive and fill in the Application Form for Personal Housing Decoration Loan of CCB. And provide the following materials to the law firm or notary office recognized by the loan bank; The original and photocopy of valid identity documents, and the borrower's income certificate issued by the department recognized by the loan bank; If there is a certificate of mortgage or pledge of property rights, a certificate of ownership, and a consent letter from the disposer (including the property owner) to mortgage or pledge, and a third party provides a guarantee, a written document and relevant credit certification materials of the guarantor's consent to provide the guarantee shall be issued; There is a construction contract for the decoration project of Beijing family residence signed with the decoration enterprise, and the decoration enterprise must sign a cooperation agreement with China Construction Bank Branch; The house ownership certificate or lease contract of the renovated house registered by the Municipal Housing and Land Administration Bureau; Other conditions stipulated by the lending bank.