1. Have local permanent residence and legal and valid identification;
2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity.
3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.
4. For newly purchased houses, provide information such as house sales contracts and purchase invoices (for original houses, provide materials such as house ownership certificates);
5. Other conditions stipulated by the Cooperation Organization.
Two, the lender to apply for decoration loans, generally to provide the following materials to the bank:
1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;
2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;
3. Real estate certificate of real estate mortgage (required for mortgage loan);
4. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;
5. The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan;
6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;
7. Other conditions required by banks or financial institutions.
The deposit interest rate of individual housing provident fund is lowered by 0. 10 percentage point, from 0.50% to 0.40%; The deposit interest rate of individual housing provident fund carried over from the previous year was lowered by 0.25 percentage points, from 3. 10% to 2.85%. At the same time, the interest rate of individual housing provident fund loans will be lowered. The interest rate of individual housing provident fund loans for more than five years was lowered by 0.20 percentage points, from 4.90% to 4.70%; The loan interest rate of individual housing provident fund for a period of less than five years (including five years) is lowered by 0.25 percentage points, or the benchmark interest rate of deposits and loans is in the floating stage. I hope it helps you!