Agricultural bank decoration loan

First, China Agricultural Bank Decoration Loan

Monthly product introduction rate: 0.25%; Repayment method: equal installment repayment; Loan amount: up to 6,543,800 yuan; Age requirement: 18~60 years old (plus 65 years of loan); Years: 5 years at most (8 years in some first-tier cities); Access conditions (reference) 1. For individual housing mortgage loan customers of the Bank and other banks (including provident fund loan customers), the net house value (house price-loan principal balance and credit card usage amount of 0.4) can cover the installment amount; 2. Pay social insurance or housing accumulation fund continuously in recent 12 months, or the annual income reaches 60,000 yuan or the annual family income reaches 65,438+10,000 yuan; 3. The state of the house is the rough house and hardcover house delivered by the developer (that is, ready to decorate, in the process of decoration, second-hand house decoration, purchase of household appliances and furniture, etc. ); 4. Market value of the house-balance of all liabilities and credit cards 0.4= remaining loanable funds (more than 654.38 million); 5. Barrier-free building type: commercial housing; Fund-raising room; Resettlement house; Self-built houses; Credit reporting requirements (reference) 1. Good credit record, no historical malicious overdue, no current overdue; 2. The credit request cannot be overdue within two years, and the number of inquiries (no more than five in the last two months and no more than seven in half a year) cannot be repeated. 3. The credit card utilization rate shall not exceed 80%, and the debt ratio shall not exceed 85%. 3. Non-civil servants, institutions, state-owned enterprises and other high-quality formal employees, PBOC credit rating should reach more than 800 points; 4. High-quality units such as civil servants, institutions, state-owned enterprises and other high-quality units can be admitted; China has outlets of Agricultural Bank of China; Related questions: 1. Q: Is the installment loan quota for home improvement fixed? How much can I borrow at most? A: At present, the upper limit of ABC's home improvement installment loan is 6.5438+0 million, and customers can choose between 5 million and 6.5438+0 million flexibly according to their own situation. According to the comprehensive situation of bank customers' income and credit information, it can be judged whether the customer's application quota is passed. 2. Q: Can I get the expected loan? A: According to the information provided by customers, the bank evaluates the loan conditions such as economic income and credit status, which will have an impact on the application amount. For example, I am worried that the application amount may increase other payers or asset certificates, which will increase the application amount. 3. Q: How to calculate the interest of home improvement installment loan? Answer: The monthly installment rate of home improvement is 0.25%, and the lowest monthly rate is 10000 yuan to 25 yuan. 4. Ask 3360 home improvement installment loan prerequisites? A: The house is really renovated, and there is no bad record of personal credit information, and the repayment ability is stable. 5. Ask 3360 which houses can apply for home improvement installment loans? A: Commercial housing (developers can also pay hardcover housing), fund-raising housing and resettlement housing can all apply. Self-built house, real estate license, land nature, field trip to determine whether it can be accessed. 6. How long does it take to apply for 3360? In general, the interview takes about 30 minutes. After the interview, the later clients don't need to be present. The information is complete and meets the access requirements. In general, it takes 1-7 working days to pass the examination and approval. 7.3360 How long can I borrow? A one-time loan with the installment amount below 6,543,800 yuan (the developer can make a one-time loan regardless of the installment amount); The amount exceeding 1.5 million will be loaned in two installments. Precautions: Three lending modes 1. Special card mode for home improvement (up to 300,000 yuan), which can be used by building materials, decoration companies and home appliance businesses; 2. Home improvement business circle card mode (up to 300,000 yuan), which can be discounted by designated home improvement business circle merchants); 3. Merchant mode (up to 500,000 yuan), entrusting merchants to pay and discount interest; 4. You can apply for three modes at the same time, and the accumulated amount is as high as 1 10,000; Use the flow chart; The first stage; Collect relevant questions and answers;

Second, the approval process for the renovation loan of Agricultural Bank of China?

After the borrower applies for a loan, the bank investigates and approves it, the two parties sign a loan contract, the mortgage registration formalities, the loan is issued, the borrower repays the loan in full and on time, and the mortgage registration formalities are cancelled.

As for the lending time, it is related to the tightness of the bank credit line and the integrity of the loan money submitted by the borrower. Therefore, before applying for a loan, it is best for the borrower to consult the handling bank about how long it will take to lend money, so as to make arrangements for the use of funds.

Third, when handling renovation loans at ABC, is the money directly transferred to the bank card? What problems should we pay attention to?

I have been engaged in personal consumption finance for 3 years. I can answer this question simply. If it helps you, please give me an optimal answer. I am also the mortgage of Agricultural Bank of China. Decoration loans are issued in the form of credit cards, which can only be used for building materials and decoration companies and cannot be used for other consumption.

4. My cousin wants to apply for a decoration loan in Agricultural Bank of China. May I ask?

I don't think so