The staff of CITIC Bank said that the decoration loan applicant needs to provide basic elements such as income certificate, deposit certificate, property right certificate or purchase contract, and bank flow. At present, large and medium-sized banks can provide two kinds of personal decoration loans, one is the new house decoration loan, and the other is the relatively new credit card form of installment payment for home decoration.
New house renovation loans will have various requirements and restrictions in various banks. For example, some banks will require applicants to choose several fixed decoration companies, and wait until the loan comes down to directly hit the decoration company's account; For example, some banks also require that only their own mortgage customers can apply for decoration loans; For another example, some banks require applicants to specify some brands in the selection of main materials.
At present, several banks, including China Construction Bank, have started credit card home improvement by stages. This business is highly accepted. This form of credit card installment payment is a relatively new business. The biggest difference from the traditional business is that it is not necessary to specify a decoration company or a hard-wearing brand. And not only hard clothes can be used, but also furniture and household appliances in the later period can be used.
This form of loan is directly credited to the customer's debit card. As long as the customer's requirements are complete, the loan will be released soon. However, it should be noted that if the amount is above100,000, it is necessary to lend money by installments. For example, in the stage of renovation to hydropower transformation, the staff of the bank will take photos at home to verify and then make the next loan.
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It has been learned from the relevant person in charge of the personal loan office of major banks that personal decoration loans have been in Changchun for several years, and the business situation in Changchun can be said to have been in a relatively cold state. After the upgrading of loan products, the attention and usage have increased significantly this year.
The relevant person in charge of CCB said that CCB launched this business in 2065438+early 2006 because the renovation was still in the off-season at the beginning of the year, and the business improved after March and April. Up to now, almost 200 million loans have been made, with nearly 2,000 customers. Now there are seven or eight groups of customers consulting every day.
Customers are accustomed to the form of credit card borrowing, because the procedures are simple and easier to accept. This is also an ongoing attempt by banks according to customer needs.
Phoenix. Com- Decoration loan business has been continuously upgraded and updated, and the acceptance of Changchun market has started to climb.