CCB's housing installment loan can only be used by designated merchants. \x0d\\x0d\ 1。 Installment payment business \x0d\ refers to the cardholder's application to use his credit card to buy goods or services (including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc.) at the merchants designated by CCB. ). With the approval of CCB, the cardholder pays the settlement money at the merchant designated by CCB through the special installment POS machine, and makes corresponding transactions. \x0d\\x0d\ II。 Two modes of delivery by stages \x0d\① You can choose the decoration company that cooperates with CCB to contract the materials and pay them to the decoration company at one time. \x0d\② At the same time, you can also choose a number of businesses that cooperate with CCB, such as tiles, wallpaper, cabinets, furniture, household appliances, etc. Purchase materials and decorate yourself. \x0d\\x0d\ III。 Number of installments, amount and purpose, handling fee \x0d\① Number of installments: 6 installments, 12 installment, 18 installment, 24 installment and 36 installment, each installment is one month. \x0d\② Quota and purpose: the applied quota is more than 20,000 yuan (inclusive) and less than 6,543.8+0,000 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. \x0d\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. \x0d\\x0d\ IV。 Business features \x0d\① Dedicated line-exclusive installment line, which does not affect customers' use of fixed credit card line. \x0d\② Flexible use —— A number of designated cooperative merchants use it flexibly, and compared with the entrusted payment method of personal loans, customers can spend more. \x0d\③ Simple procedures-exclusive one-stop channel for handling, and customer application procedures are simple and quick. \x0d\\x0d\ V. Information required for customer application \x0d\① Application form for installment payment of Longka credit card; \x0d\② Identification; \x0d\③ Copy of CCB credit card (double-sided); \x0d\④ Financial certificate; \x0d\⑤ Property ownership certificate; \x0d\⑥ Letter of Commitment for the installment payment of Longka Credit Card; \x0d\⑦ Face-to-face interview questionnaire on installment payment of Longka credit card. \x0d\\x0d\ Note: The applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc. \x0d\\x0d\ VI。 Lending and use \x0d\① After CCB receives the complete application materials from customers, it can be paid by credit card. It takes about 65,438+05 working days for customers with cards and 65,438+05 working days for customers without cards. \x0d\② During the examination and approval process, CCB staff need to contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact telephone number open after submitting the application, so as not to affect the examination and approval time limit. \x0d\③ After approval, CCB will notify the cardholder of the credit line by SMS or telephone. The cardholder takes the CCB credit card to the cooperative merchant and pays by swiping the card with the CCB POS machine. The special amount can be used several times according to the progress of the renovation project, but the amount of credit card swiping each time cannot be less than 1 1,000 yuan. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card. \ x0d \ x0d \ VII。 Handling fee collection and repayment \x0d\① Collect "0" interest, "0" down payment and handling fee for the housing installment payment business in one lump sum, and do not pay the handling fee if the amount is not used up. \x0d\② For example, the customer swipes the card on June 6 100000 yuan for one year, and the handling fee rate is 3.5%. The bookkeeping date is1June 7, and the due repayment date is the 7th of the following month. The total amount to be repaid in the first repayment = 65438+100000 yuan * 3.5%+65438+1000000 yuan/12 = 3500+8334 yuan.