For example, CCB's housing installment loan:

I. Installment payment business

Refers to the cardholder's application to use his credit card.

Card in CCB designated merchants to buy goods or services (including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc. ), and after the approval of CCB, the cardholder passes through the merchants designated by CCB.

The special installment POS machine pays the house payment, and the corresponding transaction amount is divided into several installments on average. The cardholder repays the house monthly 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 contract materials and pay the decoration company in one lump sum.

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 period, 18 period, 24 periods, 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 loan date; 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 Special credit line-exclusive installment credit line, which does not affect customers' use of fixed credit card line.

(2) Flexible use-A number of designated cooperative merchants use it flexibly. Compared with the entrusted payment method of personal loans, customers have a wider range of consumption.

③ Simple procedures-exclusive one-stop channel for handling, and customers' application procedures are simple and quick.

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

① Application Form for Installment Payment of Longka Credit Card;

② Identification;

(3) Copy of CCB credit card (double-sided);

4. Financial certificate;

5 real estate license;

⑥ Letter of Commitment for the installment payment of Longka Credit Card;

⑦ Face-to-face questionnaire for installment payment of Longka credit card.

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 After CCB receives the customer's complete application materials, it can pay by credit card. It takes about 18 working days for customers with cards and 15 working days for customers without cards.

(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 telephone 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 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.

Seven. Charge and repayment

① The "0" interest, "0" down payment and handling fee of the housing installment payment business will be collected in one lump sum at the time of the first repayment, and the unused amount will not be paid.

(2) For example, the customer swipes the card for one year at 16, with the interest rate of 3.5%, the billing date is 17 June, 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.