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Object Editor Personal housing renovation loan target is 18 to 60 years old China citizens with full civil capacity.
Conditional editing 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.
The starting point of personal housing renovation loan is 5,000 yuan (including 5,000 yuan), and the maximum is 6.5438 yuan +0.5 million yuan (including 6.5438 yuan +0.5 million yuan). 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 the pledged property.
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).
The interest rate editor's personal housing renovation loan interest rate shall be implemented according to the loan interest rate for the same period stipulated by the People's Bank of China, and may fluctuate within the prescribed range.
The borrower applies for personal decoration loan business through the branch of China Construction Bank which offers personal housing decoration loan business.
The editing of operating procedures generally includes five stages: acceptance, investigation, approval, distribution and post-loan management.
1 accepted
2. Preliminary examination of qualifications and conditions
Accept an application
survey
Step 5 agree
distribute
Step 7 retreat
Hope to adopt
CCB loan interest calculator
If you want to try to calculate the information of "monthly payment/loan interest" for reference, please go to the home page of China Merchants Bank and click "Financial Calculator"-"Personal Loan Calculator" on the right to try to use the benchmark interest rate of current loans for trial calculation.
If you apply for a personal loan at China Merchants Bank, you can check the execution interest rate of the existing loan through mobile banking. Please log in to Mobile Banking: Version 4.0, click My-One Card-My Loan-Personal Loan Inquiry, select the loan to be inquired, click the drop-down option on the right, and then click Loan Inquiry-Loan Details to view the current interest rate. Version 5.0, click My-All-My Loan-Inquiry-Personal Loan Inquiry to view it.
China Construction Bank Mortgage Calculator
Log on to the website of China Construction Bank, enter the personal online banking, and then enter the financial calculator. You can find the personal housing loan calculator in the personal loan calculator.
In 2009, CCB implemented a 7.8% discount. Because you don't know how much mortgage you borrowed from CCB, you don't know the monthly repayment.
There are fund trading calculators, personal deposit calculators, personal loan calculators and stock trading calculators. In personal loan calculator, you can choose personal housing loan to calculate your mortgage repayment. You can also choose a fully functional area.