The longest renovation loan of CCB can be 5 years. The longest term of personal housing renovation loan of China Construction Bank is not more than 5 years, and the shortest term is half a year. If the renovated house is not self-occupied, the loan period cannot exceed 3 years at the longest.
The renovation loan of China Construction Bank can be mortgaged or pledged, in which the loan amount secured by mortgage shall not exceed 70% of the value of collateral, and the loan amount secured by pledge (which must be the deposit certificate of China Construction Bank) shall not exceed 90% of the value of collateral.
The renovation loan of CCB is 654.38 million yuan, and the repayment period can be chosen by itself.
The renovation loan of CCB is 654.38 million yuan, and the repayment period can be chosen by itself: the shortest loan period is half a year, and the longest loan period cannot exceed 5 years.
The decoration loan of China Construction Bank is a guarantee loan for individual customers to decorate their own houses. The starting point of the loan is 5,000 yuan, with the maximum not exceeding 1.5 million yuan. The shortest loan period is half a year and the longest is no more than five years. If the renovated house is a non-owner-occupied house, the loan period shall not exceed 3 years at the longest. Therefore, it is completely feasible to apply for a renovation loan of 654.38 million yuan within five years.
The loan interest rate of China Construction Bank shall be implemented according to the loan interest rate for the same period stipulated by the People's Bank of China, and shall fluctuate within the prescribed scope according to local policies and conditions. Therefore, the loan interest rates in different regions may be different.
If calculated according to the benchmark interest rate of the central bank, the annual interest rate of five-year loans is 4.75%.
Calculated by the equal principal and interest method, the loan is 654.38+100000 years. Monthly repayment amount = [loan principal× monthly interest rate× (1interest rate )× repayment months ]=[( 1 interest rate )× repayment months-1] = {100000× (4.75%/65438).
According to the method of average capital, the loan is 65,438+0,000,000 years, and the monthly repayment amount = (loan principal ÷ repayment months) (principal-accumulated repaid principal amount) × monthly interest rate, so the amount to be repaid in the first month = (65,438+000,000 ÷ 60).
How many years can CCB borrow for renovation?
The longest period shall not exceed 5 years (including 5 years).
Personal housing consumption loan is a RMB loan issued by Industrial and Commercial Bank of China to borrowers for household consumption purposes such as decorating houses, purchasing housing decoration materials, durable consumer goods and so on.
Product characteristics
1. High loan amount: up to 1 ten thousand yuan.
2. Long loan period: the longest loan period can reach 5 years.
3. Various forms of guarantee can be adopted: mortgage, pledge, guarantee, credit, compound guarantee or partial guarantee.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
I suggest you take the money from Xiaoman Finance (formerly Baidu Finance) to get a loan. The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast, as long as 30 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.
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Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.
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360 IOUs, with a maximum loan of 200,000!
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Staging music can be borrowed up to 50 thousand!
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How long is the credit card decoration loan period of CCB?
Many netizens leave messages asking how long is the credit card decoration loan term of CCB? In fact, the credit card decoration loan of CCB, that is, the credit card decoration by stages, will tell you how long its term is generally.
How long is the credit card decoration loan period of CCB?
CCB's credit card decoration loan is installment, with zero interest. Applicants can choose to pay in installments of 6, 12, 18, 24, 36 and 48 according to their own needs, and the handling fee will be charged in one lump sum or in installments, but the handling fee rates of different branches and different installments will be slightly different.
Among them, six, 12, 18, 24, 36 and 48 are 1 month, which means that the credit card renovation of CCB can be divided into six months to four years. Dear friends, you can decide how long to pay off according to the installment amount.
For example, Ms. Zhang used a credit card to decorate in stages at CCB, with a total amount of 60,000 and a monthly salary of 8,000. According to the actual situation, she chose to divide it into 12 stages. In other words, Ms. Zhang's monthly principal is 5,000 yuan, plus the installment fee.
The above is the loan term for credit card decoration of CCB, and I hope it has certain reference value for your friends.
, you can handle all kinds of credit cards quickly and safely.
How many months does it take for CCB to recover the renovation loan amount?
Five years.
The validity period of the renovation loan of CCB mainly depends on the type of house, not the borrower. The longest validity period of the renovation loan of CCB is five years. However, if the house applying for decoration is not self-occupied, the validity period of the loan will be shortened to three years.
The maximum amount of single-family loan for renovation of CCB is 6,543,800+0,000. If the house to be renovated has been repaid for more than two years but not yet, the maximum loan can be 300 thousand. Generally, after the borrower meets the loan conditions, CCB can lend the loan in about one week.
Construction bank decoration loan
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. Decoration loans can be used to pay for home decoration and maintenance projects, related decoration materials, kitchen and bathroom equipment and other expenses. This paper introduces the object, amount, term, expected annualized interest rate, required information and conditions of the renovation loan of China Construction Bank.
First, the decoration loan object
China Construction Bank's personal housing renovation loan is for natural persons with full civil capacity.
Second, the decoration loan details
1, renovation loan amount
The loan amount is not less than 5,000 yuan (including 5,000 yuan), but not more than 6,543.8 yuan+500,000 yuan (including 6,543.8 yuan+500,000 yuan).
2. Update the loan term
The shortest half a year, the longest not more than 5 years (including 5 years).
3. Expected annualized interest rate of decoration loan.
Calculated according to the expected annualized interest rate of loans for the same period stipulated by the People's Bank of China.
Third, the decoration loan materials
The borrower fills in the Application for Personal Housing Decoration Loan of China Construction Bank and provides the following information:
1, resident identity document
Original and photocopy of identity card, residence booklet, military identity card or other valid identity documents.
2. Personal income certificate
Income certificate, payroll, tax bill issued by the unit, bank deposit certificate that can be used for repayment, etc.
3. Renovation contract
Home decoration project contract signed with decoration enterprises, purchase of home decoration materials contract, purchase of kitchen and bathroom equipment contract, and home decoration budget.
4, decoration enterprise certification documents
Copy of the business license and qualification certificate of the decoration enterprise.
5. Proof of mortgage guarantee
List of mortgaged property, ownership certificate of pledged property and right certificate, and certificate of consent of the authorized person to mortgage and pledge; Collateral must submit proof of ownership or right to use, valuation and insurance documents; The pledge of rights must also provide a certificate of rights; A document in which the guarantor agrees to guarantee.
6. Other materials required by the lending bank.
Fourth, the decoration loan guarantee
The borrower must provide effective guarantee when applying for personal housing renovation loan from China Construction Bank. Guarantee can take the form of mortgage, pledge or guarantee.
1, mortgage
If the borrower mortgages his own property or the property owned by a third party, the Construction Bank shall sign a mortgage contract with the borrower or the third party; Collateral must be evaluated and mortgage registration procedures must be handled.
Step 2 guarantee
If the borrower pledges with his own or a third-party certificate of rights that meets the prescribed conditions, the Construction Bank shall sign a pledge contract with the borrower, and the certificate of rights that can be pledged includes:
1) securities. Including government bonds, financial bonds and AAA corporate bonds.
2) Certificate of savings deposit issued by China Construction Bank.
3) Other assets recognized by CCB.
4) The loan period is not longer than the maturity period of the pledged right.
Step 3 guarantee
If the borrower provides a guarantee by way of guarantee, the guarantee is a joint and several liability guarantee, and the Construction Bank shall sign a guarantee contract with the guarantor. The guarantor must be a legal person, other economic organizations or citizens.
3. Other provisions
Without the consent of the loan bank, the borrower (mortgagor) shall not transfer, lease, sell, donate or remortgage the collateral during the mortgage period. During the mortgage period, the borrower has the responsibility to maintain, maintain and ensure that the collateral is intact, and accept the supervision and inspection of the lender at any time.
This is the end of the introduction about the validity period of the renovation loan of CCB and how long it is valid. I wonder if you have found the information you need?