Lending banks carry information to handle household consumption loans:

1. Valid ID and household registration certificate

2. Tax payment certificate and proof of salary and salary ability;

3 housing renovation contract, commodity sales contract, consumption deposit receipt and proof of use;

4. Guarantee certification materials;

5. Deduct the loan bank card or account.

Tips: Please contact the loan bank for confirmation before handling the specific regulations on differences in the same region.

2. How to apply for a renovation loan from ICBC? Pay attention to these things

Many people borrow money to buy a house, and the hard-earned money is used to pay the down payment. When the renovation is completed, they find that the cash is not enough. In this case, they can apply for bank decoration loans, such as personal housing consumption loans of ICBC. However, before applying, it is best to inquire about the loan handling conditions, required information and other matters.

Personal housing consumption loan is a RMB loan issued by Industrial and Commercial Bank of China to borrowers for household consumption purposes such as decorating houses, purchasing housing decoration materials, durable consumer goods and so on. The maximum loan amount can reach 6,543,800 yuan, and the longest loan period can reach 5 years. Attention should be paid to the following matters when applying: 1. The application condition is 1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (inclusive). 2. Have legal and valid identity certificate and marital status certificate, have a fixed residence at the lender, and have a household registration certificate (or valid residence certificate) at the lender. 3. The customer and loan scores assessed by ICBC's retail internal rating system are in compliance with relevant regulations. 4. Have a good credit record and willingness to repay, and have no bad records in loans from financial institutions such as ICBC. 5 have a stable source of income and the ability to repay the loan principal and interest in full and on time. 6. Can provide legal, effective, reliable and sufficient guarantee recognized by China Industrial and Commercial Bank, or have personal credit loan conditions. 7. There are clear, legal and compliant loan purposes. 8. Open a personal settlement account in China Industrial and Commercial Bank. 9. Other conditions stipulated by the lender. Two. Application materials 1. China Industrial and Commercial Bank Personal Housing Consumption Loan Application Form. 2. The original and photocopy of the borrower's valid identity certificate, household registration certificate (household registration book or other valid residence certificate) and marital status certificate (marriage certificate, divorce certificate, unmarried statement, etc.). ) .3. Proof of personal repayment ability, such as personal tax payment certificate, salary certificate, proof of expected return on investment, proof of rental income, and proof of financial assets in ICBC or other banks in the past 6 months. 4. Proof of loan use. Including housing renovation contract, commodity sales contracts, consumer deposit receipts and other use vouchers. 5. If mortgage guarantee is adopted, proof of ownership of the mortgaged property shall be provided. 6. If pledge guarantee is adopted, a valid pledge certificate that meets the personal requirements of China Industrial and Commercial Bank shall be provided. 7. If credit or natural person guarantee is adopted, relevant information of the borrower or guarantor that meets the requirements of China Industrial and Commercial Bank shall be provided. 8. If composite guarantee and partial guarantee are adopted, relevant materials shall be provided according to the requirements of different loan methods. 9. Other documents or materials required by the loan handling bank.

Three. How to apply for/consume ICBC's personal housing consumption loan?

ICBC's personal consumption loan does not need to mortgage the real estate license in the bank.

Application conditions

① A natural person with full civil capacity, the applicant is over 18 years old, and the maturity date of the loan is generally not more than 55 years old;

(2) Having permanent residence or valid residence status in the town where the loan bank is located;

(3) It has legal and stable economic income, good credit and the ability to repay the principal and interest of the loan;

(4) There is a clear consumption intention or a relevant consumption contract has been signed;

⑤ It can provide the guarantee approved by the lender.

related data

(1) Provide valid identity documents and household registration certificates, marital status certificates and personal income certificates;

② Relevant materials or documents (sales contracts, agreements or other valid documents) to confirm consumption behavior;

(3) Personal consumption loan application form (available at the sales outlets of the applicant bank);

④ Other materials required by the bank.