How long does it take to approve the renovation loan of CCB? How many days does it take to approve the renovation loan of CCB?

How long can the renovation loan of CCB be approved?

Generally speaking, as long as you meet the application conditions, submit comprehensive materials, the review time is not long, and the interest rate of the approval result is clear and the amount is clear. After the approval, the loan can be released in about 5-7 working days, which may be faster.

According to the regulations, decoration loans include one-time loans and secondary loans. In principle, the amount of a single loan for individual housing renovation issued by the bank shall not exceed 500,000 yuan, and the loan for rough housing shall be issued twice. After the completion of water and electricity, it is confirmed as the first loan after the actual renovation. After the completion of the mud wood, it was confirmed as the second loan after the actual decoration. Every confirmation, bank staff need to take photos at home.

Hardcover housing loans will be issued directly in one lump sum after approval. However, after buying furniture and appliances, the bank will arrange staff to take photos at home before moving in. Taking photos is mainly to confirm whether the decoration loan you applied for is really used for house decoration and whether there is loan fraud. If loan fraud is involved, the bank may ask you to pay off the loan in advance.

I hope the above answers can help you!

How long does it take for CCB to approve the renovation loan?

Generally, it takes about a week to approve the renovation loan of CCB, and the main content of the approval is the comprehensive qualification of the borrower and the purpose of the loan.

The purpose of the loan is generally limited to decoration, and the borrower's comprehensive qualifications include the borrower's repayment ability, the borrower's occupation, the borrower's income and so on.

"Home improvement loan" generally refers to "decoration loan"

Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project. At present, there are two kinds of home improvement loans and a credit card installment form to apply for, as follows:

1, apply for personal credit loan decoration;

2. Personal consumption loan decoration loan. The consumer loan here refers to the secured mortgage loan, that is, the consumer loan applied for by real estate mortgage;

3. credit card home improvement staging;

4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.

Application conditions:

1. Have local permanent residence and legal and valid identification;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest when due;

3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc. ;

4. For newly purchased houses, materials such as house sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again);

5. Other conditions stipulated by the Cooperation Organization.

related data

According to the results of the "Household Consumption Survey of Post-80s Generation" initiated by the All-China Federation of Industry and Commerce and Sohu Home in conjunction with the mainstream media in Beijing, nearly half of post-80s white-collar workers are more inclined to decorate 30,000 to 50,000 files under the pressure of rising house prices, and the cost of home improvement has formed a considerable gap with millions of house prices. Among them, 93% buyers are willing to make installment loans for home improvement, more than 60% consumers are willing to take credit card installment loans, and more than 80% consumers hope that loans can be interest-free.

It is not difficult to see that, driven by the new consumption pattern, solving the decoration problem through financial tools has become a popular way for buyers.

How long can I apply for a decoration loan from CCB?

How long does it take for CCB to apply for renovation loan? First, apply for 1. After the renovation loan of CCB is approved, the money can be transferred to the renovation loan credit card in the lender's name. 2. The decoration loan application of CCB mortgage customers will be approved within one week at the earliest. Non-CCB mortgage customers can generally be approved in about 14 days. After the approval, the customer can apply for a loan, and the bank staff will go to the scene to take photos and collect evidence to confirm that it is really renovated and then lend money.

How long can the renovation loan of CCB be released?

How long can the renovation loan of CCB be released? The renovation loan of CCB generally takes 30 working days to lend, and it usually takes about one week for the borrower to meet the loan conditions. When a borrower applies for a mortgage loan, it needs to go through the relevant registration procedures of the mortgaged property, and the relevant bank staff will conduct an evaluation and inspection.

Lending process of CCB decoration loan

1. When the borrower applies for a loan for housing renovation, he must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures;

2. Sign a loan contract after investigation and approval by the account manager and approval by the competent examination and approval department;

3. The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan funds;

4. The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment.

Excuse me, how long will it take for the renovation of CCB loan?

It generally takes about 20 days for CCB's renovation loan to be released from the submission of loan application. After submitting the loan application, CCB needs to investigate and review the loan information, and it also needs the approval of the superior leaders, so the whole loan process takes a lot of time. However, as long as it is approved, the speed of lending after signing the loan contract is still relatively fast.