Six to seven percent. The interest rate of renovation loan of CCB is generally 6%-7%, and the loan term: the shortest half year and the longest not exceeding 5 years (including 5 years). Among them, if the renovated house is a non-owner-occupied house, the loan period shall not exceed 3 years (including 3 years).
How much is the interest of 350,000 yuan for the renovation loan of CCB?
The interest on the renovation loan of 350,000 yuan from CCB is as follows:
1, the loan period is less than half a year, and the interest rate is 5.655%.
2. If the loan term is within six months to one year, the interest rate is 5.655%.
3. The loan term is one to three years, and the interest rate is 6. 175%.
4. The loan term is three to five years, and the interest rate is 6. 175%.
4. If the loan term is more than five years, the interest rate is 6.37%.
Interest refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital.
CCB renovation loan interest rate
The renovation loan interest rate of CCB fluctuates on the benchmark interest rate, which is 4.35% below 1 year (inclusive), 4.75% below 1-5 years (inclusive) and 4.9% above 5 years.
1. How to prepay the renovation loan of CCB?
The so-called decoration loan, as its name implies, is a loan issued to customers to decorate their own houses. If the renovation loan of CCB needs to be repaid in advance, you can directly contact the bank to apply for prepayment, and then go to the designated counter to repay after the bank has approved it.
The borrower can choose to pay off in whole or in part in advance. If you choose to prepay, you can continue to keep the repayment period unchanged and shorten the monthly payment; You can also choose to keep the monthly payment unchanged and shorten the repayment cycle.
As for the process and conditions, as well as the payment of liquidated damages, because there may be some differences in the loan business of each branch, you can check the signed loan contract or consult the staff of the local loan handling outlets.
Of course, the borrower can also choose to repay on schedule according to the repayment plan. Generally, it will be withheld by binding the bank card, so the borrower only needs to put the money into the repayment account before the repayment date, and the banking system will automatically deduct the payment on the repayment date.
Second, CCB decoration loan details
1. Loan target: 18 to 60-year-old China citizens with full civil capacity.
2. Loan amount: the starting point of the loan is 5000 yuan (including 5000 yuan), and the maximum loan amount does not exceed 654.38 yuan+500,000 yuan (including 654.38 yuan+500,000 yuan);
3. Loan term: the shortest is half a year and the longest is not more than 5 years (including 5 years).
4. Loan interest rate: The loan interest rate for the same period stipulated by the People's Bank of China shall be implemented.
5. Guarantee method: pledge, mortgage and qualified third-party natural person guarantee recognized by CCB.
Third, the application process
1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time.
2. Signing a contract: After the application materials submitted by the borrower are reviewed and approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate.
3. Lending: After the approval of the bank and all formalities are completed, the bank will issue loans according to the contract.
How much is the interest on the renovation loan of CCB?
The monthly interest rate of the renovation loan of China Construction Bank is 3. 1%, which is equivalent to the annual interest rate of about 7.5%. Take the loan of 100000 yuan as an example, and the loan term is one year, then the loan interest = loan amount x annual loan interest rate x loan time, that is,100000x1x7.5% = 7500 yuan.
The application conditions for renovation loan of CCB are as follows:
1. The applicant is between 18-60 years old and has full capacity for civil conduct;
2. Have a local permanent residence or a foreign residence but a local valid residence certificate;
3. Have a fixed residence;
4. Have a stable job and income;
5. There are certificates such as the "Family Decoration Project Contract" signed with the decoration enterprise;
6. Having a current savings account in CCB;
7. Being able to provide the guarantee recognized by CCB;
8. Other conditions required by CCB.
China Construction Bank decoration loan application materials:
(-) Original and photocopy of valid identity documents;
(2) A borrower's income certificate issued by a department recognized by the loan bank;
(3) List of title certificates, ownership certificates of mortgaged or pledged property, and proof that the person who has the right to dispose of the property (including the property owner) agrees to dispose of it. If the guarantee is provided by a third party, a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee shall be issued;
(four) there is a "family room decoration project construction contract" signed with the decoration enterprise, and the decoration enterprise must sign a "cooperation agreement" with the branch of China Construction Bank;
(five) the house ownership certificate or lease contract of the renovated house registered by the Municipal Housing and Land Administration; (6) Other conditions stipulated by the lending bank.
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.
Construction Bank renovation loan interest rate
Interest rate of renovation loan of CCB: 5.25% for loans within 6 months (inclusive) and 6% for loans from 6 months to 1 year (inclusive); Loans for one to three years (including three years) 4.75% loans for three to five years (including five years) 6.00% loans for more than five years 4. 15%.
ChinaConstructionBank, formerly known as People's Construction Bank of China, was established in June 1 954+1October1(later renamed China Construction Bank on March 26th, 1996). Headquartered at No.25 Financial Street, China Construction Bank is a large state-owned bank managed by the central government and a national vice-ministerial unit. Its main business areas include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
idea
1. Business philosophy
Market-oriented and customer-centered.
2. Service concept
Customer first, attention to detail
3. The concept of risk
Understand customers, understand the market, participate in the whole team, and grasp the key.
4. Talent concept
Pay attention to comprehensive quality and highlight performance and benefit.
China Construction Bank's internal and external circular diagram based on ancient copper coins has distinct banking attributes, which mainly reflects the "Fiona Fang" characteristics of China Construction Bank. Party representatives are strict, standardized and serious; The circle symbolizes perfection, affinity and tolerance.
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