1. Is it true that ABC has a three-day loan for renovation?

In fact, it takes about 1 month for the borrower to apply for the decoration loan of the Agricultural Bank of China, from the submission of materials to the bank's approval and then to the bank's loan. It will involve reviewing materials, evaluating the qualifications of borrowers, handling registration, signing contracts and other links, so it is almost impossible to lend money in three days. Unless the borrower has received the loan notification SMS from ABC, it is normal to lend money within three days. There will be some differences in the loan approval time and process of each branch of Agricultural Bank of China. If a user intends to apply for a renovation loan from ABC in the near future, it is recommended to go to the bank to consult the current bank loan amount and loan time.

2. Is it easy for ABC to apply for a decoration loan?

The basic application conditions for the decoration loan of ABC are: the applicant has applied for a housing mortgage loan at ABC; The applicant has a stable job and economic income; The applicant's score must meet the personal consumption loan scoring standard of Agricultural Bank of China.

As long as the loan conditions are met, users can try to apply for decoration loans from the Agricultural Bank of China. However, it should be noted that ABC is very important to the borrower's economic income. If the borrower's monthly income is more than twice the monthly repayment amount, the loan application will be easier to pass. In addition, if the borrower is a VIP customer of ABC, the application for decoration loan will be easier to pass.

3. Home improvement installment is a credit card installment business launched by Agricultural Bank of China to individual housing mortgage customers for purchasing furniture, household appliances, building materials and other consumer purposes. Has the following characteristics:

1, the installment quota for home improvement. The approved amount shall not exceed 30% of the appraised house price (or the total purchase cost and purchase invoice price). For ordinary houses, the maximum amount of a single special installment is 300,000 yuan.

2. Handling fee rate. The processing period is 1-5 years, the benchmark handling fee is 4% per year, and the income-debt ratio does not exceed 65%. The validity time of the quota. First-hand mortgage customers shall not be earlier than two months before the date of repossession, and second-hand mortgage customers shall not be earlier than the lending time of second-hand mortgage.

3. Counter loan, if the amount is less than 6.5438+0.5 million yuan (inclusive), you only need to go to the door for inspection once, and you can use the letter in full at one time.