If the house has been transferred, you can now apply for a decoration loan. As long as you meet the loan conditions, you can go directly to the bank.

Second-hand housing can apply for loan decoration, and it is necessary to provide real estate license, land certificate, ID card and household registration book. Marriage certificate or single certificate? In addition, if the decoration amount is large, you need the decoration company to give you a list of expenses and renovation contract. Due to the different ways of decoration loan, the loan amount of banks and financial institutions is inconsistent, which leads to the difference of decoration loan amount.

2. Can I apply for a second-hand housing renovation loan?

You can apply for a decoration loan, but not the house you just bought. It will take a month or two to pay it back. Two months ago, my mother applied to China Construction Bank, but she couldn't apply directly at the bank. The bank recommended a letter of guarantee signed by a decoration loan guarantee company. The guarantee company told us that the guarantee fee should be increased by 6% and the comprehensive interest should be increased by 6%. 5% deposit and hundreds of investigation and evaluation fees. Still relatively low. She is also an account of a county, but the second-hand house mortgaged by Bank of Communications, which is four kilometers away from Nanping, has been returned for half a year. Hukou and district/county do not affect, but she applied for 250,000 as a teacher. They still guarantee loans, but there are still a lot of application materials, and it is a bit troublesome for bank personnel to conduct on-site investigations.

3. Can second-hand houses also apply for renovation loans?

Of course you can.

4. What are the loan processes for second-hand housing renovation in Shenzhen?

Shenzhen second-hand housing renovation loan application process: (1) When applying for housing renovation loan, the borrower must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures; (2) After investigation and review by the account manager and approval by the competent examination and approval department, the loan contract is signed. (3) The account manager will handle the loan procedures and transfer the money to the borrower's personal settlement account in the 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; After the loan is settled, the bank cancels the creditor-debtor relationship with the customer and goes through the relevant formalities.