After the renovation loan of CCB is approved, the staff will let the lender take photos at the handling outlets. After taking photos, the loan will be completed in about 15 working days.
There are two kinds of decoration loans, one is to apply by credit card in stages, as follows:
First, apply for personal credit loan decoration.
Credit loans are unsecured and unsecured, but more than half of the credit loan products in the market have high requirements for consumers, or the threshold for asset certification is high, or people in specific industries, VIP customers and senior management of the company can apply. Be sure to strictly examine the details of the applicant's job nature, industry, income and so on. Consumers prefer personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank. The credit loan amount of these banks is generally 5-8 times the monthly income, and of course the interest rate will be higher.
2. Personal consumption loan decoration loan
Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. As many banks are engaged in this business, consumers have a relatively large choice.
However, banks have different requirements for mortgaged real estate in terms of house price, house age and real estate area. Consumers must do their homework before applying. If an individual owns one or more properties, he can try to apply, not only to get more loans, but also to have a longer term. However, the specific loan amount depends on the bank's review of consumers' personal qualifications and real estate status (geographical location, house price, real estate area and house age).
Third, credit card home improvement staging
In order to better meet the needs of consumers for home improvement by stages, some banks have launched credit card home improvement by stages, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records.
The upper limit of the general quota is 6.5438+10,000-200,000, and the maximum installment quota of a single product is 500,000. However, it should be noted that the applicants should be civil servants, teachers, full-time employees of banks, and middle and senior managers of companies with registered capital of more than 30 million. The general stage of home improvement is 12 months, 24 months, and the longest is 36 months. For the list of domestic banks that can apply for home improvement by stages, please check the personal loan product selection of Easy Loan China in 2009.
How long will it take for the renovation of CCB loan?
It generally takes about 20 days for CCB's renovation loan to be released from the submission of loan application. After submitting the loan application, CCB needs to investigate and review the loan information, and it also needs the approval of the superior leaders, so the whole loan process takes a lot of time. However, as long as it is approved, the speed of lending after signing the loan contract is still relatively fast.
For more information about how long it will take for the loan renovation of CCB, please visit: See More.
How long can the renovation loan of CCB be released?
How long can the renovation loan of CCB be released? The renovation loan of CCB generally takes 30 working days to lend, and it usually takes about one week for the borrower to meet the loan conditions. When a borrower applies for a mortgage loan, it needs to go through the relevant registration procedures of the mortgaged property, and the relevant bank staff will conduct an evaluation and inspection.
Lending process of CCB decoration loan
1. When the borrower applies for a loan for housing renovation, he must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures;
2. Sign a loan contract after investigation and approval by the account manager and approval by the competent examination and approval department;
3. The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan funds;
4. The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment.