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.
Extended data
Processing method and program
Personal housing renovation loan refers to a loan with the purpose of family housing renovation (some banks also provide commercial housing renovation loans), with the property and rights owned by the borrower or a third party or legally entitled to dispose of it as collateral or pledge, or with the third party providing guarantee for the loan and bearing 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.
Matters needing attention
1. Personal housing renovation loan is a loan issued by the bank to the borrower for the renovation of its own housing. The house decoration mentioned here refers to the engineering activities of transforming and processing houses by using decorative materials. In other words, the property must be your own.
2. The special requirements in the house decoration loan are: the renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the relevant departments; Some banks also require owners to have no less than 30% of the total decoration budget, and then use the loan after investing in the project construction.
According to the regulations of the bank, personal consumption loans are generally not allowed to withdraw cash. The bank will transfer the money to the account of the decoration company.
4, the loan period is generally not more than 5 years.
Baidu encyclopedia-house decoration loan
Baidu encyclopedia-decoration loan