I. Application for Credit Card Decoration Loan of China Construction Bank
1, apply for personal credit loan decoration. This method is characterized by high requirements for applicants, that is to say, high threshold, which is tailored for some special industries, VIP customers and company managers. It needs to examine the details of the applicant's job nature, industry and income, and generally does not need mortgage. The loan amount is 5-8 times the monthly income, and of course the interest rate will be higher.
2. Personal consumption loan decoration loan. This method is different from the former. It is necessary to bring a certificate, such as real estate, consumption, etc., to give applicants a wider choice. However, each bank has different requirements for applicants in terms of house price, house age and real estate area. Applicants can do their homework in advance. Individuals with one or more houses can try to apply. The loan amount is more and the term is longer, but it also depends on the specific loan amount, personal qualification and real estate situation.
3, credit card home improvement staging. Due to the limited financial affordability of applicants, many banks have developed a more humanized product, namely credit card installment business, which is mainly aimed at people living in large and medium-sized cities who have just bought a house and have no money to decorate it, but require applicants to have a good credit record.
Second, the credit card decoration loan process of CCB
1. The applicant fills in the application form at CCB outlets and submits ID cards, property certificates and other related materials;
2. The Construction Bank accepts the application and informs the applicant of the examination and approval results;
3. According to the progress of house decoration, the applicant applies to CCB for the expenditure quota;
4. CCB will issue the renovation quota to the credit card/special debit card account in the name of the applicant;
5. The applicant uses a special debit card to spend at the merchant designated by CCB, and repays according to the amount listed in the credit card statement.
Third, is the renovation loan cost-effective for CCB?
1, CCB US-Canada loan. CCB is one of the four state-owned banks, and its decoration loan business is a household name. Not long ago, CCB launched a consumer loan, which can be used for decoration. The threshold is simple. Customers who apply for and issue housing loans in CCB can apply for a personal housing renovation loan of up to 300,000 yuan in CCB as long as the repayment is more than 1 year and the loan is not settled, without mortgage or guarantee. The specific amount is 30% of the house value, and the loan period is up to 3 years. This standard also applies to customers who buy second-hand houses with loans from CCB. As long as the normal repayment is more than 2 years, second-hand housing customers can also apply for loans without mortgage and guarantee.
2. renovation loan interest rate. According to the principle of market pricing, the loan interest rate of CCB will be comprehensively priced according to the credit standing of customers, housing quality and other factors. Customers with good conditions will get more favorable interest rates. Generally speaking, the loan interest rate will fluctuate on the benchmark interest rate.
As soon as many people hear about the loan contradiction, they think that the loan is not a good thing and will pay more back to the bank, but they may change their minds after understanding the specific operation process. The above is the credit card decoration loan of CCB that we introduced to you.