What is the application process of decoration loan?
(1) To apply for housing renovation loan, the borrower must go to the business outlet to apply for starting a business, fill in the application form, submit relevant materials, and go through relevant guarantee procedures;
(2) Sign a loan contract after investigation and review by the account manager and approval by the competent examination and approval department; (3) The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan funds;
(4) The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment; ⑤ After the loan is settled, the bank cancels the creditor-debtor relationship with the customer and goes through relevant procedures.
What information do I need to apply for a decoration loan?
The loan applicant shall go to the branch and business department of the bank branch (hereinafter referred to as the loan bank) to receive and fill in the Application Form for Personal Housing Decoration Loan of China Construction Bank, and provide information to the law firm or notary office recognized by the loan bank:
(1) 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 "Beijing family room decoration project construction contract" signed with the decoration enterprise, and the decoration enterprise must sign a "cooperation agreement" with the China Construction Bank branch;
(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.