For example, CCB's housing installment loan:

I. Housing business

It refers to the business that the cardholder applies to use his credit card to buy goods or services (including decoration, building materials, furniture, home appliances, weddings, tourism, department stores, etc.) at the merchants designated by CCB. ), and with the consent of CCB, the cardholder pays the settlement money in the settled merchants designated by CCB by special installment, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays the money every month within the agreed time limit and pays a certain handling fee.

Second, two housing modes in stages.

①? You can choose a decoration company that cooperates with CCB to hand it over to the decoration company.

②? You can also choose a number of merchants such as tiles, wallpapers, cabinets, furniture and home appliances that cooperate with CCB. Purchase materials and decorate yourself.

Three. Number of installments, amount, purpose and handling fee

①? Number of periods: 6 periods, 12 periods, 18 periods, 24 periods and 36 periods, each period is one month.

②? Quota and purpose: the applied quota is more than 20,000 yuan (inclusive) 1 10,000 yuan (inclusive), and the validity period of the quota is 6 months from the date of lending; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan.

③? Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer.

Fourth, business characteristics

①? Dedicated line-exclusive installment quota, which does not affect the use of fixed credit card quota for customers.

②? Flexible use-a number of designated cooperative merchants use it flexibly, and compared with the entrusted payment method of personal loans, customers have a wider consumption range.

③? Simple procedures-exclusive one-stop channel, customer application procedures are simple and fast.

Verb (abbreviation for verb) Information required for customer application.

①? Application form for settlement business of Longka credit card;

②? ;

③? Copy (double-sided);

④? Financial certificate;

⑤? ;

⑥? Letter of commitment for the use of credit card settlement business line of Longka;

⑦? Long card credit card installment interview questionnaire.

Note: the applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc.

Lending and use of intransitive verbs

①? It takes about 65,438+05 working days for customers with cards and 65,438+05 working days for customers without cards from the time CCB receives the complete application materials from customers to the time when the credit line arrives.

②? In the process of examination and approval, CCB staff should contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact number open after submitting the application, so as not to affect the time limit for examination and approval.

③? After the approval, CCB will notify the cardholder of the credit line by SMS and telephone. The cardholder pays with the CCB special credit card in the cooperative merchants, and the special amount can be used several times according to the progress of the renovation project. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card.