1. Lender qualification requirements:
China citizens or legal residents aged 18.
Have full capacity for civil conduct and be able to bear debt liabilities independently.
Have a stable employment or business situation in the local area and can provide relevant supporting documents.
2. collateral requirements:
The property purchased by loan must be located in Hangzhou.
The real estate should have legal ownership, no disputes and mortgage value.
According to the ratio of real estate appraisal to loan amount, you can get the corresponding loan amount support.
3. Application materials:
Identity certificate: a copy of the identity card of the applicant and spouse.
Proof of income: salary flow, recent tax payment certificate of individual industrial and commercial households or business owners, etc.
Real estate license: real estate license, house purchase contract and other related documents.
Other materials: marriage certificate, household registration book, bank account, etc. , as the case may be.
4. Loan amount and term:
Bank of Hangzhou will determine your loan amount and interest rate according to your personal qualification and comprehensive evaluation of collateral value.
The term of decoration loan is generally 1 to 5 years, which can be adjusted according to your specific needs.
5. Application process:
Go to Hangzhou Bank outlets or official website to download the decoration loan application form.
Prepare the required application materials and fill in complete and accurate information.
Submit the application form and materials to the staff of Hangzhou Bank for review.
After the approval, you can sign a loan contract with the bank and go through the relevant formalities.
Please note that the above conditions are only general requirements, and the specific application conditions may be adjusted due to personal circumstances and bank policies. It is recommended that you contact the staff of Hangzhou Bank before applying for the latest loan policies and requirements.