1. How to use the pre-approval quota for special installments of China Construction Bank
A large-amount special installment quota has been pre-approved, and this quota is earmarked for special funds.
1. The basic background for the establishment of China Construction Bank is that the People's Republic of China began to implement the first five-year plan to develop the national economy, focusing on the construction of 156 key projects for a large-scale economy. Construction has been carried out across the country. In order to manage the huge amount of construction funds, China Construction Bank came into being.
2. China Construction Bank is mainly responsible for centrally handling national capital construction budget allocations and enterprise self-raised funds, supervising the rational use of funds, issuing short-term loans to construction enterprises, and handling basic business settlement services.
3. While inheriting its original functions, China Construction Bank continues to expand its banking functions and has successively launched credit funds loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgages. Loans and other businesses.
4. China Construction Bank has successively carried out or is currently undergoing a series of major reforms in the capital management system, credit management system, financial management system and accounting system. The head office and first-level branches have centralized dispatching, unified dispatching and operating funds. capabilities have been enhanced, and the financial accounting system has moved closer to international standards.
2. How to get a decoration loan from China Construction Bank
Decoration loans are increasingly accepted by everyone, and the most popular one is the decoration loan from China Construction Bank. To apply for a CCB renovation loan, you need to meet certain conditions and follow the process. It is reported that the CCB renovation loan process generally includes five stages: application, acceptance, investigation, approval, issuance, and repayment. 1. Construction Bank renovation loan process: 1. The borrower who applies for a Construction Bank personal home renovation loan must apply at the business outlet that offers the business, fill in the application form, submit relevant information, and go through relevant guarantee procedures; 2. Pending investigation by the account manager . After review and approval, the loan contract will be signed after being submitted to the competent approval department for approval; 3. The account manager will handle the loan procedures and transfer the money to the borrower's personal settlement account in our bank, and the customer can use the loan funds; personal housing Renovation loans refer to RMB loans issued by China Construction Bank to individual customers for the renovation of self-occupied houses. Loan objects: The objects of personal housing decoration loans are natural persons with full civil capacity. 2. Loan conditions: 1. Aged between 18 and 60 years old, with a local permanent residence or a non-local residence registration but with a valid local residence certificate, and a fixed residence; 2. Have a stable and legal source of income, and be able to repay the principal and interest of the loan on schedule. Ability; 3. Have a "Home Decoration Project Contract" signed with the decoration company, or a "Purchase Contract for Home Decoration Materials", "Purchase of Kitchen and Bathroom Equipment Contract", or issue a home decoration budget; 4. Have credit recognized by China Construction Bank Qualifications or ability to provide guarantees recognized by China Construction Bank; 5. No bad records; 6. Meet other conditions stipulated by China Construction Bank. 3. Loan amount: no less than RMB 3,000 (including RMB 3,000), and no more than RMB 600,000. 4. Loan term: The minimum is half a year, and the maximum is no more than 5 years (including 5 years). : There are currently two types of home improvement loans and one credit card installment form that can be applied for. The details are as follows: 1. Apply for a personal credit loan for decoration; 2. Personal consumption loan for decoration loans. The consumer loan here refers to a loan with a minimum term of half a year and a maximum term of 5 years (inclusive). Certificate mortgage loans, that is, consumer loans that are mortgaged and applied for using real estate; 3. Credit card home improvement installments; 4. Loans from consumer finance companies. In addition to the traditional route of bank loans, loans from consumer finance companies are also one of the options.
3. How to use the CCB decoration installment loan?
How to use CCB decoration loan
1. After successfully applying for a CCB decoration loan, the applicant can use the credit card issued by CCB to make payment when swiping the card.
2 After the quota is approved, the water and electricity project for house decoration must be completed within half a year. After completion, submit it to China Construction Bank for acceptance, and then the bank will lend 50% to the credit card, which can be used after the credit card is activated.
3 After credit card disbursement, the limit must be used within half a year, and all overdue limits will be forfeited. After use, you need to repay within the specified time.
4 This credit card can only be used in physical building materials markets, furniture plazas and other stores selling decoration supplies, but not in online shopping malls.
4. How to use the CCB decoration installment loan?
How to use CCB decoration loan
1. After successfully applying for a CCB decoration loan, the applicant can use the credit card issued by CCB to make payment when swiping the card.
2 After the quota is approved, the water and electricity project for house decoration must be completed within half a year. After completion, submit it to China Construction Bank for acceptance, and then the bank will lend 50% to the credit card, which can be used after the credit card is activated.
3 After credit card disbursement, the limit must be used within half a year, and all overdue limits will be forfeited. After use, you need to repay within the specified time.
4 This credit card can only be used in physical building materials markets, furniture plazas and other stores selling decoration supplies, but not in online shopping malls.