If the loan is used for decoration, the term shall not exceed 10 year (inclusive); If the loan is used for decoration, materials that can prove the authenticity of the decoration shall be submitted, such as the title certificate of the renovated property, renovation contract, advance payment receipt, etc.
Provisions on the use of loan funds:
1. Personal consumption loans can be used for personal or family legitimate consumption purposes such as car purchase, parking, decoration, education, bulk consumption shopping and tourism.
2. The purpose of the loan must comply with the provisions of relevant state laws, regulations and policies, and shall not be used for illegal purposes such as gambling in areas prohibited by state laws and regulations and state regulatory authorities.
3. When applying for a single loan or drawing money under the credit line, the loan applicant shall submit a written certificate of the purpose of the loan, and shall not issue a loan without a specific purpose. For a large personal consumption loan with a loan amount exceeding 6,543,800 yuan, the customer must provide the proof of use before the loan, and the proof of real transaction must be collected within 6 months after the loan is issued (if the purpose is to buy a car, the registration certificate of the purchased vehicle must be provided; For the purpose of decoration, it is necessary to check the decoration situation and the corresponding decoration payment voucher on the spot. If the customer can't provide it or finds false use, he must take measures such as recovering the loan in advance and stopping the credit function in accordance with the contract.
Application materials generally required for applying for a loan:
1. Identification information
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.
4. Guarantee certificate: proof of ownership of collateral. If there is a * * * owner, it is also necessary to provide a statement that the * * * owner agrees to mortgage or requires the * * * owner to sign a mortgage contract. Where other auxiliary guarantee methods are provided, corresponding certification materials are also required.
5. Proof of use: if the loan is used for car purchase/parking space, materials that can prove the authenticity of the purpose of house purchase, such as car purchase/parking space contract, subscription letter of intent, deposit receipt, down payment receipt, etc. , must be submitted; If the loan is used for decoration, materials that can prove the authenticity of the decoration must be submitted, such as the title certificate of the renovated property, renovation contract, advance payment receipt, etc. If the loan is used for educational purposes, it is necessary to submit the admission certificate, such as the admission notice issued by the school or similar certificate.
6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.
If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
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