Conditions for applying for renovation loan of CITIC Bank:

1. Have 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. For newly purchased houses, materials such as house sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again);

5. Other conditions stipulated by the Cooperation Organization.

Application materials for renovation loan of CITIC Bank:

1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;

2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;

3. Real estate certificate of real estate mortgage (required for mortgage loan);

4. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;

5. The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan;

6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;

7. Other conditions required by banks or financial institutions.

2. Is the interest of CITIC Dream Gold reasonable?

When credit card holders spend a lot on home improvement, car purchase, training and wedding, they can choose to use dream deposit and enjoy automatic installment.

There is no interest and no management fee for using the dream money, but a handling fee of 0.75% will be charged every month. If RMB 20,000 is applied for and used in the current month, the monthly handling fee is 200,000.75 =150.

3. How much credit does CITIC have in the decoration loan?

CITIC's credit card limit is not directly related to whether there is a mortgage, but the higher the credit card limit, the final result will be subject to bank review. Credit card processing requires ID card and proof of income of 18 weeks.

4. How much can a decoration loan generally borrow?

Although a rough house can apply for a decoration loan with a maximum loan of 6,543,800 yuan, and a hardcover house with a maximum loan of 500,000 yuan, it is obtained on the premise that the loan qualification is very good and the property value is very high.

Ordinary people can only borrow 1.5-0.25 million yuan, but for ordinary families, this amount of decoration is enough.

About the maximum amount:

Blank house: the maximum loan is 6,543,800 yuan (the maximum loan is 7,500 yuan/_);

Hardcover room: up to 500,000 yuan (up to 4,500 yuan/_);

Local decoration: up to 500,000 yuan (up to 5250 yuan/_);

Note: local decoration refers to the bathroom or kitchen, and one place must be completely demolished and renovated.