If you don't like online shopping for decoration products, you can also swipe your card in a physical store, which is allowed.
However, it should be noted that the credit card of CCB decoration loan can only be consumed in home improvement stores, regardless of online shopping or physical store credit cards. The scope limited by CCB is 5 1 home improvement shops. Note that it is 5 1, not 5 1. In other words, the decoration loan credit card can be used for the decoration shops designated by CCB.
I. Application requirements
1. Application age: 18-70 years old;
2. Personal household registration: China citizen;
3. Real estate relationship: real estate under the name of oneself, spouse or immediate family members;
4. Credit requirements: there is no overdue at present;
5. Income: purchase social security or a stable source of income.
Second, the application materials
When handling, you need to prepare the relevant information of the application. The information required by the blank room is a little different from that required by the hardcover room. We need to distinguish it:
1, blank house application materials
Id card 1 piece;
② Property ownership certificate/house purchase contract+file search; Or mortgage contract;
(3) Proof of financial resources (through on-site inquiry of social security and provident fund in Guangdong Province);
(4) If it is a full-payment/buyout mortgage customer, it is necessary to provide a purchase invoice;
2, hardcover room application materials
① ID card
(2) Relevant supporting materials (including but not limited to delivery notice or announcement, purchase contract, purchase invoice, earliest payment certificate (or invoice) of property management fee, residential quality guarantee or residential instruction manual, self-built water and electricity registration documents (within two years) shall be provided at the time of application, and the house shall be delivered within two years.
③ Property Ownership Certificate+File Inquiry/House Purchase Contract/Mortgage Contract
④ Mortgage repayment process/mortgage statement/purchase invoice
⑤ Financial proof
⑥ If it is a full-payment/buyout mortgage customer, it is necessary to provide the real estate license+file search/purchase contract/purchase invoice.
Three. Approval and loan
① Time limit for approval: generally, it is 1-3 working days.
② Blank house: divided into two batches. The first part will be released after the completion of hydropower, and the remaining 50% will be released after the completion of mud wood.
③ Hardcover room: a one-time full loan is approved (for example, apply for 500,000 yuan and credit 500,000 yuan into the account).