Housing renovation loans need to provide legal identity documents, including the applicant's own identity card and household registration book, as well as other valid residence documents, and you need to provide my original and copy. Because you are applying for a house decoration loan, you also need to provide a house ownership certificate or a house use right certificate with the borrower's name, and a house decoration project contract. In addition, you must submit your income certificate to the bank to prove that you have the ability to repay normally.

After providing relevant materials, applicants can apply at local bank outlets, and some banks need guarantees. The bank will examine the applicant's information. In addition to personal materials and property certificates, we also pay attention to personal credit information. After the approval, the loan contract is signed, and the loan amount is transferred to the personal bank settlement account, and the repayment is made regularly. After all the loans are paid off, the creditor's rights relationship of the applicant will be dissolved by itself.

Click to view: What are the procedures for housing renovation loans?