After the installment quota is transferred to you, you can apply to the bank for the first withdrawal. You need to withdraw cash, and the withdrawal ratio should not exceed 30% of your total installment approval amount and not exceed 50,000 yuan.
In addition, if your money is transferred to the installment card, it can only be consumed by decoration merchants, not every type of merchants.
2. Is 8 years or 5 years suitable for the renovation loan of CCB?
Decoration loan is cost-effective. Taking buildings as an example, the longest renovation loan is no more than five years, and its interest rate is subject to the loan interest rate regulation of China Construction Bank. CCB's home improvement loan is applicable to China citizens with full capacity for civil conduct who are in need of decoration financing and are over 18 years old but not over 60 years old.
The single-family loan amount of the renovation loan of CCB 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).
Third, is the renovation loan of CCB easy to handle?
Of course.
Requirements:
1. The loan target is 18 years old or older, but not more than 60 years old, and full citizens with decoration financing needs.
2. Guarantee mode: CCB's home improvement loan provides a variety of guarantee modes, which can be guaranteed, pledged and granted according to its own needs.
3. Loan amount: The loan amount of a single family does not exceed 6.5438+0 million yuan, among which, those who have been renovated for more than one year can get a credit loan of up to 300,000 yuan, accounting for 30% of the value.
4. The longest repayment period of the loan is no more than 5 years, and there are also the equal principal and interest method, the average capital method, the one-time principal and interest repayment method at maturity, and the arbitrary principal repayment method with interest paid on schedule.
5. The loan interest rate of CCB's home improvement loan is based on the central bank's loan interest rate for the same period, which is usually not too high.
Extended data:
Precautions:
In order to ensure that the borrower will use the loan funds for legal and compliant purposes, the bank usually requires the borrower to issue a certificate on the purpose of the loan, which can be used for special purposes. Therefore, when applying for renovation loans, borrowers also need to provide relevant renovation contract or agreement.
2. Get into the habit of paying back on time. After obtaining the loan funds, the borrower should also keep in mind the repayment date, form the habit of repaying in full and on time every month, and avoid overdue repayment, resulting in bad credit.
3. When applying for a loan in advance, you only need to ask the borrower to provide relevant loan information, which generally includes personal identification certificate, income certificate, renovation contract, etc. The borrower may make mistakes and omissions in the process of promotion, which will affect the loan approval.
Reference decoration loan
4. Is it easy to handle the renovation loan of CCB?
Construction bank decoration loan is easy to apply for.
1. Applicant 18-60 years old, with full capacity for civil conduct.
2. Have a local permanent residence or a foreign residence but a valid local residence certificate.
3. Have a fixed residence.
4. Have a stable job and income.
5. There are certificates such as "Home Decoration Project Contract" signed with decoration enterprises, and application materials for decoration loan from China Construction Bank.
(1) Original and photocopy of valid ID card.
(2) There is a borrower's income certificate issued by the department recognized by the loan bank.
(3) Where a third party provides a guarantee, it shall issue a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee, including a list of property rights certificates, ownership certificates and certificates that the authorized disposition agrees to mortgage or pledge.
(four) there is a "Beijing family room decoration project construction contract" signed with the decoration enterprise, and the decoration enterprise must sign a "cooperation agreement" with the China Construction Bank branch.
(five) the house ownership certificate or lease contract of the renovated house registered by the Municipal Housing and Land Administration Bureau.