The simplest and most efficient way is to call the customer service hotline of CCB to inquire about the amount owed, or to apply for inquiry at the local branch of CCB. Take your ID card and mortgage information to the counter, go to the mortgage bank counter, and ask the staff to print the details, so you can check how many months are left.
Telephone banking. Call the official telephone of the bank to inquire, complete the identity verification, and then you can inquire about the remaining decoration loan.
How much did you borrow from the decoration company and how much did you pay? Subtract the paid part from the total loan, and the rest is your balance. The decoration loan of CCB is all personal loan products with the function of decoration financing service of CCB, including personal housing mortgage loan and personal consumption loan. The loan amount is relatively high, and the maximum loan for a single household is 6.5438+0 million. The loan time is long, up to 5 years, and the repayment methods are diverse. note:
1. Loan target: The renovation loan of CCB is applicable to China citizens who have renovation financing needs, are over 18 years old and under 60 years old, and have full civil capacity.
2. Loan purpose: decoration purpose.
3. Guarantee method: The renovation loan of CCB adopts mortgage, guarantee, pledge and credit.
4. Loan amount: the loan amount for a single renovation of CCB shall not exceed 6,543,800 yuan; Among them, CCB directly issues a consumer credit loan with a maximum of 300,000 yuan (inclusive) and no more than 30% of the house value (subject to the collateral value confirmed at the time of mortgage) to the mortgage customers who apply for a loan due to the renovation of the house purchased by mortgage.
5. Loan term: The longest renovation loan of CCB shall not exceed 5 years.
6. Loan interest rate: The renovation loan interest rate of CCB shall be subject to the loan interest rate of CCB.
7. Repayment method: The repayment methods of the renovation loan of CCB include matching principal and interest method, average capital method, one-time principal and interest payment method at maturity, regular interest payment method and arbitrary principal repayment method.
(1) CCB renovation loan process: customer application. Customers apply to the bank, fill in a written application form and submit relevant materials at the same time;
(2) sign a contract. After the bank examines the application materials submitted by the borrower, the two parties sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate;
(3) granting loans. With the consent of the bank, after all formalities are completed, the loan will be issued as agreed in the contract;
(4) Repayment on schedule. The borrower shall repay the loan interest according to the repayment plan and repayment method agreed in the loan contract;
(5) Pay off the loan. Loan settlement includes normal settlement and early settlement;
(1). Normal settlement: the loan will be settled on the maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: If the borrower pays off part or all of the loan in advance before the loan expires, he shall apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after approval by the bank. After the loan is settled, the borrower will retrieve the legal certificate and relevant documents received by the bank with his valid ID card and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
How to inquire about the reasons for the approval and return of the renovation loan of CCB?
There are two ways. The first way is to directly log in to CCB official website, log in to personal online banking to inquire about the loan status and repayment details of decoration loans, and select the loan you want to inquire about. The second is counter inquiry. Borrowers can bring loan-related documents to CCB outlets for enquiries. The third type is telephone inquiry. Borrowers can call the CCB loan hotline directly and ask the customer service staff to help you inquire. The first method is counter inquiry, and the borrower can wait until the outlet of CCB, and make inquiry based on the loan-related documents and loan contract. The third method is telephone inquiry. According to the voice prompt, enter the relevant ID number for inquiry.
How to inquire about the loan balance of CCB?
The steps to query the balance of CCB are as follows:
1. Download and install the mobile client APP of CCB on the mobile phone.
2. Open the mobile client APP of CCB and register and log in.
3. After logging in, click the loan at the bottom of the page.
4. After entering the loan page, click My Loan to view the loan balance.
5. After entering my loan, you can check the loan balance.
Excuse me, I have a decoration loan at CCB. How can I know the progress of the loan?
The loan progress can be directly contacted by telephone with the handling bank outlets.
Introduction of CCB Decoration Loan
1. Guarantee methods: mortgage, guarantee, pledge and credit.
2. Loan amount: the loan amount of a single household shall not exceed 6,543,800 yuan; Among them, for the housing loan customers who apply for loans, if the renovation of the houses purchased by their housing loans has normally repaid the housing loans for more than 2 years (inclusive) and there is no record of default or other defaults, the Construction Bank will directly give credit consumption loans with a maximum of not more than 300,000 yuan (inclusive) and not more than 30% of the house value (subject to the collateral value confirmed when handling housing loans).
3. Loan term: no more than five years.
4. Loan interest rate: The loan interest rate of China Construction Bank shall apply.
5. Repayment methods: including equal principal and interest method, average capital method, lump-sum principal and interest payment method at maturity, and arbitrary principal repayment method with interest paid on schedule.
Extended data:
Loan settlement includes normal settlement and early settlement.
1. Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
2. Early settlement: Before the loan expires, the borrower must make an application to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.