4.35%。 According to the official announcement data of Hefei Construction Bank, the loan interest rate of Hefei Construction Bank in February 2022 was 4.35%. Interest rate refers to the ratio of the amount of interest to the amount of borrowed funds, that is, the principal, in a certain period of time.

How much is the interest on the renovation loan of CCB?

The monthly interest rate of the renovation loan of China Construction Bank is 3. 1%, which is equivalent to the annual interest rate of about 7.5%. Take the loan of 100000 yuan as an example, and the loan term is one year, then the loan interest = loan amount x annual loan interest rate x loan time, that is,100000x1x7.5% = 7500 yuan.

The application conditions for renovation loan of CCB are as follows:

1. The applicant is between 18-60 years old and has full capacity for civil conduct;

2. Have a local permanent residence or a foreign residence but a local valid residence certificate;

3. Have a fixed residence;

4. Have a stable job and income;

5. There are certificates such as the "Family Decoration Project Contract" signed with the decoration enterprise;

6. Having a current savings account in CCB;

7. Being able to provide the guarantee recognized by CCB;

8. Other conditions required by CCB.

China Construction Bank decoration loan application materials:

(-) Original and photocopy of valid identity documents;

(2) A borrower's income certificate issued by a department recognized by the loan bank;

(3) List of title certificates, ownership certificates of mortgaged or pledged property, and proof that the person who has the right to dispose of the property (including the property owner) agrees to dispose of it. If the guarantee is provided by a third party, a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee shall be issued;

(four) there is a "family room decoration project construction contract" signed with the decoration enterprise, and the decoration enterprise must sign a "cooperation agreement" with the branch of China Construction Bank;

(five) the house ownership certificate or lease contract of the renovated house registered by the Municipal Housing and Land Administration; (6) Other conditions stipulated by the lending bank.

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; Where collateral is used (only China Construction Bank certificate of deposit), the loan amount shall not exceed 90% of the value of the pledged property.

How much is the interest on the renovation loan of CCB?

The specific interest rate of decoration loan is actually related to many factors, such as the city where it is located, the bank it chooses and so on. The interest rate of decoration loan products of banks generally fluctuates on the basis of the benchmark interest rate of the central bank, and different banks set interest according to this system. The annual interest rate of the loan term is about 5.6% for less than one year and about 6% for one to five years. If the loan term exceeds five years, the required interest is about 6. 15%.

How many years can I borrow a decoration loan?

I. Detailed Rules for Decoration Loan of China Construction Bank

1. Loan target: 18 to 60 years old China citizens with full civil capacity;

2. Loan amount: the starting point of the 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);

3. Loan term: the shortest half year and the longest not exceeding 5 years (including 5 years);

4. Loan interest rate: the loan interest rate for the same period stipulated by the People's Bank of China shall apply;

5. Guarantee method: pledge, mortgage and qualified third-party natural person guarantee recognized by CCB.

Two. ICBC Decoration Loan Rules

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

4. There is a house renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the competent department;

5, with no less than 50% of the total decoration budget of its own funds, and before the use of loans into the project construction;

6. Loan term: the longest loan term shall not exceed 10 year (including 5 years);

7. Other conditions stipulated by the bank.

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The introduction of interest rate of decoration loan of Hefei Construction Bank ends here.