Renovation of individual housing loans for:
Renovation of individual housing loans targeted at the full civil capacity of natural persons.
Specific conditions:
1, the age of 18 to 60 years of age, local resident accounts or foreign accounts but effective local living document, a fixed residence;
2, a stable job and income or easily realisable assets;
3, enterprises have signed with the decoration of "family renovation works contracts", or "home decoration material purchase contracts," and "the purchase of kitchen and toilet facilities contract", and the family budget for the renovation;
4, demand in China Construction Bank opened a savings account;
5, the Construction Bank to provide approved security;
6, in line with the requirements of the Construction Bank of other conditions.
Individual housing loans for renovation:
Individual housing loans decoration is the Construction Bank to individual customers paid for the renovation of the renminbi-occupied housing loans.
Loans can be used to pay the family decorating and maintenance works of construction of the relevant materials, decoration, kitchen and toilet facilities, and so on.
Borrowing limit:
Borrowers loan amount not less than 5,000 yuan (with 5,000 yuan), the maximum loan amount is not more than 150,000 yuan (inclusive of a 15 million).
Loan period and interest rates:
A minimum of six months and a maximum of five years (including five years).
People's Bank lending rates in accordance with the provisions of the same period in the implementation of lending rates.
Repay the loan provisions:
Loans within the period of one year (including 1), implementation of debt service due time, with the benefit of the Qing;
Loan period in more than one year, the borrower from the time spent on loans taken from the monthly principal and interest outstanding loans equal manner:
The early return of all principal and interest of loans, should be notified 15 days ahead of the lending bank, taking into account the interest not to the period of interest rate changes and adjustments.
Loan repayment:
The borrower to repay the principal and interest of bank loans in two ways, each borrower can only choose one of the means of repayment. According to the borrower and the bank signed the "loan contract," the agreement for the repayment plan, the repayment date, the Construction Bank from the borrower demand savings account deduction should repay the loan at the current principal and interest. The borrower must have full charge of deposit account, such as the debit account was frozen, report the loss, the borrower should be timely provision of the new charge accounts;
The borrower to repay bank business outlets.
Borrowers to return overdue loans can only take the second method.
Borrowers should provide the information
Borrowers fill out the "China Construction Bank loan applications for housing decoration" and to provide the following information
1, residents of identity documents (identity cards, residence booklet, the military card or other valid identification cards) and so on the original and copy;
2, personal income proof (units issued by the proof of income, payroll, tax alone, can be used for repayment of the Bank savings deposits, etc.);
3, and decoration companies signed the "family renovation works contracts" and "the purchase of household decoration materials contract," and "the purchase of kitchen and toilet facilities contract", and the family budget for the renovation;
4, renovation of enterprises and the business license for a copy of the certificate;
5, collateral, pledge and the right of ownership is a list of documents that have powers and the consent of mortgage, pledge of proof; collateral must submit a certificate of ownership or right to use, valuation, insurance documents; have to provide the right quality of the right credentials ; Guarantor agreed to guarantee the documents;
6, bank loan requirements of the other materials.
Renovation of individual housing loans targeted at the full civil capacity of natural persons.
Specific conditions:
1, the age of 18 to 60 years of age, local resident accounts or foreign accounts but effective local living document, a fixed residence;
2, a stable job and income or easily realisable assets;
3, enterprises have signed with the decoration of "family renovation works contracts", or "home decoration material purchase contracts," and "the purchase of kitchen and toilet facilities contract", and the family budget for the renovation;
4, demand in China Construction Bank opened a savings account;
5, the Construction Bank to provide approved security;
6, in line with the requirements of the Construction Bank of other conditions.
Individual housing loans for renovation:
Individual housing loans decoration is the Construction Bank to individual customers paid for the renovation of the renminbi-occupied housing loans.
Loans can be used to pay the family decorating and maintenance works of construction of the relevant materials, decoration, kitchen and toilet facilities, and so on.
Borrowing limit:
Borrowers loan amount not less than 5,000 yuan (with 5,000 yuan), the maximum loan amount is not more than 150,000 yuan (inclusive of a 15 million).
Loan period and interest rates:
A minimum of six months and a maximum of five years (including five years).
People's Bank lending rates in accordance with the provisions of the same period in the implementation of lending rates.
Repay the loan provisions:
Loans within the period of one year (including 1), implementation of debt service due time, with the benefit of the Qing;
Loan period in more than one year, the borrower from the time spent on loans taken from the monthly principal and interest outstanding loans equal manner:
The early return of all principal and interest of loans, should be notified 15 days ahead of the lending bank, taking into account the interest not to the period of interest rate changes and adjustments.
Loan repayment:
The borrower to repay the principal and interest of bank loans in two ways, each borrower can only choose one of the means of repayment. According to the borrower and the bank signed the "loan contract," the agreement for the repayment plan, the repayment date, the Construction Bank from the borrower demand savings account deduction should repay the loan at the current principal and interest. The borrower must have full charge of deposit account, such as the debit account was frozen, report the loss, the borrower should be timely provision of the new charge accounts;
The borrower to repay bank business outlets.
Borrowers to return overdue loans can only take the second method.
Borrowers should provide the information
Borrowers fill out the "China Construction Bank loan applications for housing decoration" and to provide the following information
1, residents of identity documents (identity cards, residence booklet, the military card or other valid identification cards) and so on the original and copy;
2, personal income proof (units issued by the proof of income, payroll, tax alone, can be used for repayment of the Bank savings deposits, etc.);
3, and decoration companies signed the "family renovation works contracts" and "the purchase of household decoration materials contract," and "the purchase of kitchen and toilet facilities contract", and the family budget for the renovation;
4, renovation of enterprises and the business license for a copy of the certificate;
5, collateral, pledge and the right of ownership is a list of documents that have powers and the consent of mortgage, pledge of proof; collateral must submit a certificate of ownership or right to use, valuation, insurance documents; have to provide the right quality of the right credentials ; Guarantor agreed to guarantee the documents;
6, bank loan requirements of the other materials.
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