1. How long does it take for the CCB decoration loan to be approved?
Renovation loans are generally issued quickly because they are consumer loans, and banks are very willing to lend to consumers. If you Once the submitted materials are complete, the loan will generally be released within 5-7 working days.
2. How long does it take for CCB to issue decoration loans
Decoration loans:
Home decoration loans are also called decoration loans, which refer to family housing loans launched by banks or consumer finance companies. Personal credit loans for renovation purposes are unsecured credit loans. In principle, the single loan amount of personal housing decoration loans issued by banks shall not exceed 150,000 yuan, and shall not exceed 50% of the total cost of the decoration project. There are currently two types of loans and one credit card installment form that you can apply for for home improvement loans.
The details are as follows: 1. Apply for a personal credit loan for decoration; 2. Personal consumption loan for decoration loans. The consumer loan here refers to the loan period
The minimum period is half a year, and the maximum period is 5 years (inclusive).
Certified mortgage loans are consumer loans that are mortgaged and applied for using real estate. ; 3. Credit card home improvement installment; 4. Loans from consumer finance companies. In addition to the traditional route of bank loans, loans from consumer finance companies are also one of the options.
Application conditions
1. Have local permanent residence and legal and valid identity certificate;
2. Have a legitimate occupation and stable income, and have the ability to repay loans when due The ability to pay principal and interest.
3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.
4. For newly purchased residences and renovations, the house sales contract, purchase invoice and other information should be provided (Or if the original residence is being renovated, proof of house ownership should be provided);
5. Other conditions stipulated by the cooperative agency.
3. How long does it take for the CCB decoration loan to be approved?
If the personal qualifications are very good, it will only take about a week from application to bank loan, but if the personal qualifications are not very good, it will take about a week. Okay, it will probably take about half a month. 1. The amount of a decoration loan is lower than that of other loans, and the review requirements are not so strict. However, not everyone can apply for a decoration loan. If the individual's qualifications are not very good, banks can also apply for it. I applied for my own loan. 2. There are also restrictions on the application amount for decoration loans, and the maximum amount for a single transaction cannot exceed 150,000 yuan. 1. How to apply for a CCB decoration loan 1. The borrower applies for a personal decoration loan business through a branch of China Construction Bank that provides personal housing decoration loan business. 2. Generally includes five stages: acceptance, investigation, approval, issuance, and post-loan management. 1) Acceptance 2) Preliminary review of qualifications and conditions 3) Acceptance of application 4) Investigation 5) Approval 6) Disbursement 7) Withdrawal 2. The borrower must meet the following conditions at the same time: 1) Have a legal identity document, a local permanent residence or a valid local residence Proof of residence; 2) Good reputation, stable economic income, and the ability to repay the principal and interest of the loan on time; 3) Able to provide a guarantee method recognized by China Construction Bank or have credit qualifications recognized by China Construction Bank; 4) "Home Decoration" signed with the decoration company "Project Contract", or sign a "Purchase Contract for Home Decoration Materials" or "Purchase Contract for Kitchen and Bathroom Equipment" with the decoration material supplier, or provide a home decoration budget; 5) Other conditions stipulated by the China Construction Bank. 3. Notes: 1) Personal home renovation loans are loans issued by banks to borrowers for the renovation of their own homes. The housing decoration mentioned here refers to the engineering activities of using decoration materials to modify and process the housing. This means that the property must be yours. 2) Special requirements for house decoration loans are: a housing decoration contract, decoration budget estimate and related information signed with a decoration enterprise approved by relevant departments; some banks also require owners to have a total decoration budget of no less than 30 Own funds and invest in project construction before using loans. 3) According to bank regulations, personal consumption loans generally do not allow cash withdrawals. The bank will transfer the money to the decoration company's account. 4) The loan term generally does not exceed 5 years.
Operating environment: Honor V202.0.0.210 China Construction Bank 5.6.7
4. How long does it take for the CCB decoration installment review?
It generally takes 10 working days for review. If the review is passed quickly, the lender will notify the borrower to sign a loan contract and handle relevant notarization, mortgage registration procedures, etc. as appropriate.
If the loan is approved, CCB will notify the borrower to go to CCB to sign a loan contract and go through all the procedures.