Product Introduction

Monthly rate: 0.25%;

Repayment method: equal installments;

Loan amount: Max. 1 million;

Age requirement: 18~60 years old (up to 65 years old with the loan term);

Term: up to 5 years (8 years in some first-tier cities);

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Access conditions (reference)

1. Personal housing mortgage loan customers of our bank and other banks (including provident fund loan customers), real estate net value (property price-loan principal balance and credit card use Amount*0.4) can cover the installment amount;

2. Continuous payment of social insurance or housing provident fund in the last 12 months, or annual income reaches 60,000 yuan or family annual income reaches 100,000 yuan;

3. The status of the house is a rough house and a fully decorated house delivered by the developer (that is, including preparation for decoration, decoration, decoration of second-hand houses, purchase of home appliances and furniture, etc.);

4. Market value of the house - All liabilities and credit card balances * 0.4 = remaining loanable funds (more than 100,000);

5. Barrier-free real estate types: commercial housing; fund-raising rooms; resettlement housing; self-built houses;

Credit report requirements (reference)

1. Good credit record, no malicious overdue history, no current overdue;

2. Credit reporting requirements cannot be overdue within two years, the number of inquiries (most recent) No more than five times in two months, no more than seven times in six months) and cannot be repeated.

3. The credit card usage rate shall not exceed 80%, and the debt ratio shall not exceed 85%

3. For non-civil servants, public institutions, state-owned enterprises and other regular employees of high-quality units, the PBOC credit rating The score should be above 800;

4. Civil servants, public institutions, state-owned enterprises and other high-quality official employees of high-quality units with credit information can be admitted;

Visit area

There are branches of the Agricultural Bank of China in China;

Related questions:

1. Question: Is the home improvement installment loan limit fixed? How much can I borrow?

Answer: At present, the upper limit of ABC’s home improvement installment loan is 1 million, and customers can flexibly choose between 5 million and 1 million according to their own circumstances. Based on the bank customer's income, credit information and other comprehensive conditions, it can be judged whether the customer's application limit has been approved.

2. Question: Can I get the expected loan?

Answer: Banks make evaluations based on the information provided by customers, and loan conditions such as economic income and credit status will affect the application amount. For example, you are worried that the application limit may be increased by other payers or asset certificates, which will increase the application limit.

3. Question: How to calculate the interest on home improvement installment loan?

Answer: The monthly installment rate for home decoration is 0.25%, and the minimum monthly rate is 10,000 yuan to 25 yuan.

4. Please tell me the necessary conditions for 3360 home improvement installment loan?

Answer: The house has been authentically decorated, there is no bad personal credit record, and the repayment ability is stable.

5. Please tell me which houses in 3360 can apply for home improvement installment loans?

Answer: You can apply for commercial housing (developers can also submit finely decorated housing), fund-raising housing, and resettlement housing.

Self-built house, real estate certificate, land properties, on-site inspection to determine whether access is allowed.

6. How long does it take to apply for 3360?

Under normal circumstances, the interview takes about 30 minutes. After the interview is processed, the customer does not need to be present later. The information is complete and meets the admission requirements. Under normal circumstances, it takes 1-7 working days for approval.

7. How long does it take for 3360 to lend money?

One-time loan with an installment amount of less than 150,000 yuan (the developer can make a one-time loan regardless of the installment amount);

Amounts above 150,000 yuan are loaned in two installments.

Things to note

Three loan modes

1. Special card mode for home decoration (up to 300,000 yuan), which can be used in building materials, decoration companies, Home appliance merchants swipe their cards for consumption;

2. Home decoration business district card mode (up to 300,000 yuan), discounts are available for purchases at designated home decoration business district merchants);

3. Merchant mode (up to 300,000 yuan); 500,000 yuan), entrust the merchant to pay and discount interest;

4. You can apply for three modes at the same time, with a cumulative amount of up to 1 million;

Use the process

Processing Process:

The first stage: collecting relevant questions and answers: