If it is the housing installment payment applied by CCB's credit card, CCB will send you a text message after approval. After receiving the SMS, you can go to the cooperative merchants designated by CCB to spend money, brush a special staging POS machine, and agree on the number of staging and the handling fee rate. If the personal consumption loan applied for in the personal loan department of CCB is for decoration purposes, the handling personnel will also inform you that the loan has been released after the audit. Or you can check the balance of the loan account yourself.

Further reading

The renovation loan of China Construction Bank refers to the RMB guaranteed loan issued by the Construction Bank to individual customers for renovating their own houses. The target is/kloc-personal housing renovation loan for China citizens aged 0/8 to 60 with full civil capacity.

titular

The borrower must meet the following conditions:

(1) Have legal identity documents, local permanent residence or local valid residence certificate;

(2) It has a good reputation, stable economic income and the ability to repay the principal and interest of the loan on schedule;

(3) Being able to provide the guarantee method recognized by China Construction Bank or having the credit qualification recognized by China Construction Bank;

(4) A contract for home decoration projects signed with a decoration enterprise, or a contract for purchasing home decoration materials, kitchen and bathroom equipment signed with a decoration material supplier, or providing a budget for home decoration;

(5) Other conditions stipulated by the Construction Bank.

Approved quota

The starting point of personal housing renovation 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). Among them: if there is mortgage guarantee, the loan amount shall not exceed 70% of the value of the collateral; Where collateral is used (only China Construction Bank certificate of deposit), the loan amount shall not exceed 90% of the value of collateral.

Duration of use

The minimum loan period for individual housing renovation is half a year, and the longest loan period is not more than 5 years (including 5 years). Among them, the renovated house is a non-owner-occupied house, and the loan period is no more than 3 years (including 3 years).