CCB's installment loan for housing can only be used by designated merchants. \xd\\xd\ 1. Installment payment business \xd\ refers to the cardholder's application to use his credit card to purchase goods or services at the merchants designated by CCB (including decoration, building materials, furniture, home appliances, weddings, education and training, tourism, department stores, etc.). After approval by CCB, the cardholder will pay the settlement money at the merchants designated by CCB through special installment POS machines and make corresponding transactions. \xd\\xd\ II. Two modes of housing by stages \xd\① You can choose a decoration company that cooperates with CCB to contract the work and materials, and pay it to the decoration company in one lump sum. \xd\② At the same time, you can also choose a number of merchants who cooperate with CCB, such as tiles, wallpaper, cabinets, furniture, household appliances, etc., purchase materials and decorate themselves. \xd\\xd\ III. Number of periods, amount and usage, handling fee \xd\① Number of periods: 6, 12, 18, 24 and 36, each period is one month. \xd\② Quota and use: the applied quota is more than RMB 2, (inclusive) and less than RMB 1 million (inclusive), and the validity period of the quota is 6 months from the date of loan release; You can swipe your card at different merchants for many times, but the amount of each swipe must not be lower than that of 1 yuan. \xd\③ Handling fee: The total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 12% for 3 years. The handling fee rate borne by the merchants shall be no less than 1%, and the rest shall be borne by the customers. \xd\\xd\ IV. Business characteristics \xd\① Special line-exclusive installment line, which does not affect the use of fixed credit card line of customers. \xd\② Flexible use —— A number of designated cooperative merchants use it flexibly, and compared with the entrusted payment method of personal loans, the scope of customers' consumption is wider. \xd\③ Simple procedures-exclusive one-stop channel processing, and the customer's application procedures are simple and quick. \xd\\xd\ V. Information required for customer application \xd\① Application Form for Longka Credit Card Installment Payment; \xd\② identification; \xd\③ Copy of CCB credit card (both sides); \xd\④ Financial proof; \xd\⑤ Property certificate; \xd\⑥ Letter of Commitment on the Usage of Longka Credit Card Installment Payment; \xd\⑦ "Face-to-face Interview Questionnaire of Longka Credit Card Installment Payment Business". \xd\\xd\ Note: The applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc. \xd\\xd\ VI. Lending and using \xd\① You can pay by credit card after receiving the complete application materials of customers from CCB, and it takes about 1 working days for customers with cards and 15 working days for customers without cards. \xd\② During the examination and approval process, CCB staff need to contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact number open after the application is submitted, so as not to affect the examination and approval time limit. \xd\③ After the approval, CCB will notify the cardholder by SMS or telephone that the credit line has arrived. The cardholder holds the CCB credit card and pays by swiping the card with the CCB POS machine at the cooperative merchants. The special amount can be used several times according to the progress of the renovation project, but the amount of swiping the card each time cannot be less than that of 1 yuan. At the same time, pay attention to check the number of periods and handling fees listed in the POS receipt after swiping the card. \ xd \ xd \ VII. Handling fee collection and repayment \xd\① The "" interest, the "" down payment and the handling fee of the installment payment business for housing will be collected in one lump sum, and the handling fee will not be paid if the quota is not used. \xd\② For example, the customer swipes the card for 1, yuan for one-year housing installment on 16th, and the handling fee rate is 3.5%. The billing date is 17th of each month, and the due repayment date is 7th of the following month. The total amount to be repaid in the first repayment is = 1, yuan * 3.5%+1, yuan/12 = 3,5+8,334 yuan = 11,834 yuan, and each repayment will be 8,334 yuan in the next 11 months.