Will there be a text message on the decoration loan card?

First, will there be a text message on the decoration loan card?

Yes According to the relevant information, the bank will inform the user of the follow-up progress, loan time, card issuing time and whether it has passed after the bank completes the renovation loan. Decoration loans are made by credit cards, not ordinary credit cards. The decoration loan can be given to the decoration company, or you can get a card for yourself.

2. Why did you send me a text message saying that the loan No.24 has been issued, but ...

The general amount is 200,000 yuan, and it is relatively easy to mortgage in CCB, with a maximum of three years and four interest rates. If you want to buy a new blank, you need on-site inspection. Every lobby manager or loan officer can teach you.

3. Is there a text message for the renovation loan of CCB?

There is a short message informing CCB that the renovation loan has passed.

Construction Bank renovation loan application process:

1. Apply for a loan: When users apply for a decoration loan from CCB, they need to fill in the loan application form and relevant loan materials at the same time;

2. Bank audit: After receiving the loan application, CCB will audit whether the user's personal credit qualification meets the loan conditions, and generally give the audit results after several working days;

4. How to check whether the renovation loan of CCB has passed the audit?

If it is the housing installment payment applied by CCB's credit card, CCB will send you a text message after approval. After receiving the text message, you can go to the cooperative merchant designated by CCB to use the personal consumption loan and handling fee applied by special installment for decoration purposes, and then the handling personnel will also inform you that the loan has been approved and the loan has been released. Or you can check the balance of the loan account yourself.

Further reading

Rmb-guaranteed loans issued by individual customers in China for renovating their own houses. The object is the object of personal housing renovation loans, with full capacity for civil conduct.

titular

The borrower must meet the following conditions:

(1) Have legal identity documents, local permanent residence or valid local residence.

(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) The supplier of home decoration materials signed with the decoration enterprise has signed a contract for purchasing home decoration materials, kitchen and bathroom equipment, or provided a budget for home decoration;

(5) Other conditions stipulated by the Construction Bank.

Approved quota

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; Certificate of deposit), the loan amount shall not exceed 9% of the value of the pledge.

Duration of use

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).