CCB decoration loan is equivalent to credit card installment loan. The interest rate of 0.25% is a monthly interest rate, which actually means an annual interest rate of 3% and a daily interest rate of 0.0083%. For example, the loan period of 6,543,800 yuan is one year, and the handling fee of 25 yuan is paid every month. The handling fee to be paid for one year is 300 yuan, with interest of 0.83 yuan per day.

1. CCB has the following advantages: strong brand influence. As the second largest commercial bank in the world and a commercial bank with a history of more than 50 years in China market, China Construction Bank has won the trust and recognition of many high-quality customers and financial peers at home and abroad by virtue of its long-term business accumulation. Duration and continuous efforts. Its strong market appeal and brand influence have brought excellent issuance and underwriting ability and product pricing ability to investment banking business, and can help customers realize long-term development strategy through the operation of domestic and foreign capital markets.

2. Rich customer resources. As a leading joint-stock commercial bank in China, China Construction Bank has rich institutional, corporate and individual customer resources, and has maintained long-term good cooperative relations with many large enterprise groups and leading enterprises in China's economic and strategic industries. We can know customers' investment, financing, wealth management and other needs and information in time, deeply understand customers' development goals, dynamically grasp customers' operating conditions, design more targeted service programs for customers, and help customers find projects with more growth potential and investment value.

3. Huge marketing service network. The marketing service network of China Construction Bank covers the whole country, with overseas branches in Hongkong, Singapore, new york, Frankfurt, Johannesburg, Tokyo, Seoul, London and Sydney. Strong product sales ability, timely understanding of global financial market information, the first time to provide customers with investment and financing advice, to provide customers with efficient and efficient services.

4. Strong financial strength. As a comprehensive bank, China Construction Bank ranks second in the world with abundant market value, strength, liquidity and capital. It can provide a strong guarantee for customer debt financing, equity financing, mergers and acquisitions and securities underwriting. A, IPO and other activities, with strong anti-risk ability.

Does CCB have a decoration loan?

CCB has a decoration loan, and the loan applicant is between 18-55. You can apply for a loan if you have a property with an area of more than 50 square meters below 15 under the local loan name. Applicants can apply for loans at CCB outlets with their ID card, copy of real estate license, social security certificate for the last 6 months, bank flow and income certificate for the last 6 months.

The monthly interest rate of the renovation loan of China Construction Bank is 3. 1%, which is equivalent to the annual interest rate of about 7.5%. Take the loan of 100000 yuan as an example, and the loan term is one year, then the loan interest = loan amount x annual loan interest rate x loan time, that is,100000x1x7.5% = 7500 yuan.

How much is the interest on the renovation loan of CCB?

The specific interest rate of decoration loan is actually related to many factors, such as the city where it is located, the bank it chooses and so on. The interest rate of decoration loan products of banks generally fluctuates on the basis of the benchmark interest rate of the central bank, and different banks set interest according to this system. The annual interest rate of the loan term is about 5.6% for less than one year and about 6% for one to five years. If the loan term exceeds five years, the required interest is about 6. 15%.

How many years can I borrow a decoration loan?

I. Detailed Rules for Decoration Loan of China Construction Bank

1. Loan target: 18 to 60 years old China citizens with full civil capacity;

2. Loan amount: the starting point of the loan is RMB 5,000 (including RMB 5,000), and the maximum is RMB 654.38+RMB 500,000 (including RMB 654.38+RMB 500,000);

3. Loan term: the shortest half year and the longest not exceeding 5 years (including 5 years);

4. Loan interest rate: the loan interest rate for the same period stipulated by the People's Bank of China shall apply;

5. Guarantee method: pledge, mortgage and qualified third-party natural person guarantee recognized by CCB.

Two. ICBC Decoration Loan Rules

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

4. There is a house renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the competent department;

5, with no less than 50% of the total decoration budget of its own funds, and before the use of loans into the project construction;

6. Loan term: the longest loan term shall not exceed 10 year (including 5 years);

7. Other conditions stipulated by the bank.

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