The CCB Decoration Loan Credit Card (also called CCB Home Decoration Installment Card) can be bound to JD.com for consumption. In addition to JD.com, you can also bind Taobao. Just follow the normal bank card binding process and bind Alipay, and you can use the decoration loan credit card to shop.

If you don’t like to buy decoration products online, you can also go to a physical store to swipe your card, which is allowed.

However, it should be noted that the CCB Decoration Loan Credit Card can only be used in home decoration stores, whether it is online shopping or credit card swiping in physical stores. The scope limited by China Construction Bank is 51 categories of home improvement stores. Please note that it is 51 categories, not 51. In other words, you can use the decoration loan credit card to make purchases at any type of home improvement store specified by China Construction Bank.

1. Application requirements

1. Application age: 18-70 years old;

2. Personal household registration: Chinese citizen;

3. Real estate relationship: Real estate in the name of the person, spouse or immediate family member;

4. Credit reporting requirements: no overdue at present;

5. Income situation: purchase of social security or stable income source.

2. Application materials

When applying, you need to prepare relevant materials for application. The materials required for rough houses and finely decorated houses are a little different, and we need to distinguish them:

1. Application materials for rough housing

①ID card;

②Real estate certificate/house purchase contract check; or mortgage contract;

③Proof of financial resources (check social security, provident fund, etc. through Guangdong Provincial Affairs Bureau on-site);

④If you are a customer of a fully paid house/buyout house and remortgage, you need to provide a purchase invoice;

2. Application materials for hard-decorated houses

①ID card

②When applying, you need to provide relevant supporting materials containing the time of house resumption (including but not limited to the handover (resumption) notice or announcement, house purchase contract, house purchase invoice, the earliest property management fee payment notice (or payment voucher such as an invoice), residential quality guarantee or residential instruction manual, self-built house water, electricity and installation documents (within two years), etc.), The house is required to be delivered within two years.

③Real estate certificate check/house purchase contract/mortgage contract

④Mortgage repayment statement/mortgage statement/house purchase invoice

⑤Proof of financial resources

⑥If you are a customer of a fully paid house/buyout house and re-mortgage, you need to provide the real estate certificate check/house purchase contract/house purchase invoice

3. Approval and loan

①Approval time limit: Generally 1-3 working days

②Rough house: divided into two batches, the first part will be released after the water and electricity are completed, and the remaining 50 will be released after the mud and wood are completed

③Finely decorated room: Once approved, the full amount will be released (for example, if you apply for 500,000 and get approved, the full amount of 500,000 will be released to your account after approval)