The renovation loan of CCB is 1, yuan, which will be repaid in five years. How much is the monthly repayment?
1875.69 yuan. If calculated according to the benchmark interest rate of the central bank, the annual interest rate of the five-year loan is 4.75%.
if the principal and interest are equal, the amount to be repaid each month is = [loan principal × monthly interest rate × (January interest rate) repayment months] ÷ [(January interest rate) repayment months-1] = {1,× (4.75%/12 )× [1 (.
according to average capital's method, the monthly repayment amount is = (loan principal ÷ repayment months) (principal-accumulated amount of returned principal) × monthly interest rate, so the amount to be repaid in the first month is = (1, ÷ 6) 1,× 4.75% = 2,62.5 yuan.
Extended information
The decoration loan of China Construction Bank is a secured loan for personal customers to decorate their own houses. The starting point of the loan is 5, yuan, and the maximum loan period is not more than 15, yuan. The shortest loan period is half a year, and the longest loan period is not more than 5 years. If the house is not self-occupied, the longest loan period is not more than 3 years. Therefore, it is completely feasible to apply for a 1, renovation loan in China Construction Bank in five years.
The loan interest rate of China Construction Bank is implemented according to the loan interest rate for the same period stipulated by the People's Bank of China, and will fluctuate within the prescribed scope according to local policies and conditions. Therefore, the loan interest rate may be different in different regions.
how many years can CCB borrow for decoration loan
The maximum period should not exceed 5 years (including 5 years)
Personal home consumption loan is a RMB loan issued by China Industrial and Commercial Bank to borrowers for home consumption purposes such as decoration and decoration of houses, purchase of housing decoration materials, durable consumer goods and other large-value consumer goods.
product features
1. The loan amount is high: the maximum loan amount can reach 1 million yuan.
2. Long loan term: the longest loan term can reach 5 years.
3. There are various forms of guarantee: mortgage, pledge, guarantee, credit, compound guarantee or partial guarantee can be adopted.
The above contents are for reference only, and we don't make any loan suggestions. Online lending is risky, so you should be careful when choosing!
I recommend that you take a loan with money from Xiaoman Finance (formerly Baidu Finance). The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18 and 55 years old. The approval is quick, as long as 3 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 2, yuan, and the minimum daily interest rate is .2%.
a small amount of money-if you have money to spend (in batches in seconds), click online to measure the amount
as a reminder, try to withdraw the cash in full after the amount is set, because the risk control is dynamic. It is not enough to lend money now. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.
Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 36 IOUs are financial services under 36 antivirus software, and installment music is owned by Lexin, both of which are big companies.
36 IOUs can borrow up to 2, yuan!
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You can borrow up to 5, installment music!
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what is the loan term for credit card decoration of CCB?
many netizens left messages asking how long the credit card renovation loan period of CCB is generally? In fact, the credit card decoration loan of CCB, that is, the credit card decoration by stages, will introduce to you how long its term is generally.
how long is the credit card renovation loan term of CCB?
CCB's credit card decoration loan is in installments, with zero interest. Applicants can choose to pay in installments of 6, 12, 18, 24, 36 and 48 according to their own needs, and the handling fee will be charged in one lump sum or in installments, but the handling fee rates of different branches and different installments will be slightly different.
among them, 6, 12, 18, 24, 36 and 48 periods, each period is one month, which means that the credit card decoration of CCB can be divided into six months to four years. Dear friends, you can decide how long to pay off according to the installment amount.
For example, Ms. Zhang used her credit card to carry out the renovation by stages, with a total amount of 6, yuan, and her monthly salary was 8, yuan. According to the actual situation, she chose to divide it into 12 stages. That is to say, Ms. Zhang's monthly principal is 5 yuan, plus the installment fee.
the above is the finishing, and the loan term of CCB credit card decoration, I hope it has certain reference value for your friends.
, you can handle all kinds of credit cards quickly and safely.
loan conditions for renovation of CCB
Both loan products and online loan products of commercial banks need to meet certain application conditions before they can be processed. The decoration loan of CCB has always been a favorite product of users. What are its application conditions? [The details of the borrower ]1. Eighteen to sixty years old, with local permanent residence or foreign residence, but with valid local residence certificate and fixed residence; 2. Have stable professional and economic income or assets that are easy to realize; 3. There is a home decoration project contract signed with the decoration enterprise, or a home decoration material purchase contract, a kitchen and bathroom equipment purchase contract, and a home decoration budget; 4. Open a current savings account in China Construction Bank; 5. Provide the guarantee approved by CCB; 6. Other conditions that meet the requirements of China Construction Bank. [Information provided by the Borrower ]1. The Borrower shall fill in the Application for Personal Housing Decoration Loan of China Construction Bank and provide the following information: 2. Original and photocopy of resident identity documents (ID card, household registration book, military officer's card or other valid identity documents); 3 personal income certificate (income certificate issued by the unit, payroll, tax bill, bank deposit certificate that can be used for repayment, etc.). ); 4. The home decoration project contract, home decoration material purchase contract, kitchen and bathroom equipment purchase contract and home decoration budget signed with the decoration enterprise; 5. A copy of the business license and qualification certificate of the decoration enterprise; 6. The certificate of ownership of the mortgaged property, the list of pledged property and the certificate of rights, and the certificate that the person with the right to dispose of it agrees to mortgage and pledge; Collateral must submit proof of ownership or right to use, valuation and insurance documents; The pledgee must also provide proof of rights; The guarantor agrees to guarantee the document; 7. Other materials required by the lending bank.
Decoration loan of China Construction Bank
Decoration loan of China Construction Bank refers to the RMB-guaranteed loan issued by China Construction Bank to individual customers to decorate their own houses. Decoration loans can be used to pay for home decoration and maintenance projects, related decoration materials, kitchen and bathroom equipment, etc. This paper introduces the object, amount, term, expected annualized interest rate, required materials and conditions of the renovation loan of China Construction Bank.
I. decoration loan object
The object of personal housing decoration loan of China Construction Bank is a natural person with full civil capacity.
ii. details of renovation loan
1. renovation loan amount
the loan amount is not less than RMB 5, (including RMB 5,), and the maximum loan amount is not more than RMB 15, (including RMB 15,).
2. The loan period for renovation
The shortest is half a year, and the longest is not more than 5 years (including 5 years).
3. The expected annualized interest rate of the renovation loan
shall be implemented according to the expected annualized interest rate of the loan for the same period stipulated by the People's Bank of China.
III. Decoration loan materials
The borrower fills in the Application Form for Personal Housing Decoration Loan of China Construction Bank and provides the following information:
1. Resident ID card
Original and photocopy of ID card, household registration book, military ID card or other valid ID documents.
2. Personal income certificate
Income certificate issued by the company, payroll, tax bill, deposit certificate of the Bank that can be used for repayment, etc.
3. renovation contract
signed Home Decoration Project Contract, Purchase of Home Decoration Materials Contract, Purchase of Kitchen and Bathroom Equipment Contract and Home Decoration Budget with decoration enterprises.
4. Certificate of decoration enterprise
Copy of business license and qualification certificate of decoration enterprise.
5. mortgage guarantee certificate
the ownership certificate of the list of collateral, pledge and right certificate and the certificate that the person who has the right to dispose of it agrees to mortgage and pledge; Collateral must submit ownership or use right certificate, valuation and insurance documents; The pledge of rights must also provide a certificate of rights; A document in which the guarantor agrees to guarantee.
6. Other materials required by the lending bank.
iv. decoration loan guarantee
the borrower must provide effective guarantee when applying for personal housing decoration loan from China construction bank. Guarantee can take the form of mortgage, pledge or guarantee.
1. Mortgage
If the borrower mortgages its own property or the property owned by a third party, the Construction Bank shall sign a Mortgage Contract with the borrower or the third party; Collateral must be assessed and mortgage registration procedures must be handled.
2. Pledge
If the borrower pledges with his or a third party's rights certificate that meets the prescribed conditions, CCB shall sign a Pledge Contract with the borrower. The rights certificates that can be pledged include:
1) Securities. Including government bonds, financial bonds and AAA corporate bonds.
2) savings deposit certificate issued by China Construction Bank.
3) Other assets recognized by CCB.
4) The loan term is not longer than the maturity of the pledge right.
3. Guarantee
If the borrower provides a guarantee by way of guarantee, the guarantee is the guarantee of joint liability, and the Construction Bank shall sign a Guarantee Contract with the guarantor. The guarantor must be a legal person, other economic organizations or citizens.
3. Other provisions
Without the consent of the lending bank, the borrower (mortgagor) shall not transfer, lease, sell, present or re-mortgage the collateral during the mortgage period. During the mortgage period, the borrower has the responsibility to maintain, maintain and ensure that the collateral is intact, and is subject to the supervision and inspection of the lender at any time.