What are the personal consumption loan methods of CCB?

"Personal consumption loans" refer to RMB loans that meet the various consumer expenditure funding needs of borrowers and families. The subject of the loan is a Chinese citizen, a resident between 18 and 65 years old with a local permanent residence or local long-term residence certificate, a fixed residence and collateral. The purpose of the loan can be consumer purposes such as car purchase and home decoration. Collateral requirements: Collateral type and loan ratio: 70% for ordinary personal housing, 50%-60% for commercial buildings on the street; 50% for villas/townhouses; 40% for office buildings and self-occupied office buildings; age of the collateral: meets the requirements for collateral One of the entry criteria: (1) The age of the mortgaged property must be within 20 years (inclusive) and the building area must be more than 80 square meters (inclusive); (2) The value of the mortgage is higher than 1 million yuan (inclusive); Area: basically in accordance with the scope of small Hangzhou (Hangzhou urban area and Yuhang Xiaoshan); third-party mortgage is not supported

Chinese name

China Construction Bank personal consumption loan

Abbreviation

CCB Personal Loan

Select

Chinese Adult Citizens

Loan Amount

5.00 - 1.50 million< /p>

Lending Institutions

China Construction Bank

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Product Introduction

China Construction Bank Personal Consumption Loan

Lending institution: China Construction Bank

Type of institution: Small loan bank

Type of loan: Mortgage loan

< p>Repayment method: repayment on maturity

Loan amount: 5.00 - 1.50 million

Suitable area: Hangzhou

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< p>Product Introduction

Product Advantages

1. Chinese citizens, 18 to 65 years old, residents with local permanent residence or local long-term residence certificate, fixed residence and mortgage You can apply

2. The maximum loan amount is 1.5 million

3. Revolving loans are available, and the revolving loans can be borrowed for 2 to 5 years

Loan conditions

p>

1. The age of the mortgaged property must be within 20 years (inclusive) and the building area must be more than 80 square meters (inclusive);

2. The value of the mortgaged property must be more than 1 million yuan (inclusive) Including);

3. The collateral is basically within the scope of small Hangzhou (Hangzhou urban area and Yuhang Xiaoshan);

4. Third-party mortgage is not supported.

5. Applicant: a natural person who is over 18 years old and has full capacity for civil conduct;

6. Age: the sum of the borrower’s age and the loan term shall not exceed 65 years old; < /p>

7. Household registration: Have local permanent residence or long-term residence certificate, and have a fixed residence.

Application materials

1. Original and copy of the borrower’s valid identity document;

2. Proof of local permanent residence or valid residence status;< /p>

3. Documents proving the borrower’s loan repayment ability.

Such as the income certificate issued by the borrower's unit, the borrower's tax bill, and insurance policy;

4. The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount. A written document in which someone agrees to pledge or mortgage the person and property***;

5. A written document in which the guarantor agrees to provide guarantee required for the borrower to obtain the guarantee amount;

6. Credit certification materials of the guarantor;

7. Evaluation report of the collateral issued by a socially recognized evaluation department;

8. Other documents and information specified by China Construction Bank