If you apply for a decoration loan in a bank, under normal circumstances, it usually takes only 15 working days to apply successfully when the personal loan application materials are fully prepared. After the user submits the loan application, the bank needs 2-3 working days to upload the data to the banking system; Then the data review survey generally takes 7 working days; Then the bank will carry out financing, and finally the bank will inform you to sign a loan contract and issue a loan after one or two working days. If there is something wrong with the user information, the approval time of the decoration loan will be delayed. You can always check the progress of your loan at the bank counter. As long as the approval is passed, the loan will be released soon.

: loan application

Application conditions

1, with 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. If the newly purchased house needs to be renovated, provide information such as the house sales contract and purchase invoice (or the original house needs to be renovated again, provide materials such as the house ownership certificate);

5. Other conditions stipulated by the Cooperation Organization.

Application material

1. Identity cards and household registration books of the applicant, spouse and repayment participants (photocopies);

2. Marriage certificate or unmarried certificate;

3. Income certificates of the applicant and repayment participants; 4, housing property certificate or public housing lease certificate; 5. Materials required by other cooperative organizations.

2. How long does it take for rural commercial banks to make decoration loans? Handling methods and procedures Personal housing renovation loan refers to a loan that aims at family housing renovation (some banks also provide commercial housing renovation loans), takes the property and rights that the borrower or a third party owns or has the right to dispose of according to law as collateral or pledge, or the third party provides guarantee for the loan and assumes joint liability. Housing renovation loans are short-term loans, and the term of major banks will be slightly different, but generally it will not exceed five years. Housing renovation loans are generally secured by the purchased houses, and the loan interest rate is implemented according to the loan interest rate of the same grade at the same period stipulated by the People's Bank of China. Generally, there is no interest rate discount. Handling method of personal housing renovation loan: The borrower applies for personal housing renovation loan business through China Construction Bank Branch.