Decoration loans need to prepare personal and housing-related information, fill in the application form and apply to the bank. The following is the application process:

(1) Fill in the personal housing renovation loan application form.

(2) Provide valid certificates and photocopies (valid residence certificates such as resident ID card and household registration book).

(3) Home decoration project contract.

(4) Proof of economic income recognized by the bank.

(5) Provide house property certificate or house sales contract or pre-sale contract of commercial house.

(6) Mortgage guarantee information: list of collateral, ownership certificate (commitment letter of property owner) and collateral evaluation report.

(seven) other information that needs to be provided.

Precautions:

1. Some commercial banks have specially launched decoration loans, and most banks classify decoration loans as personal consumption loans or personal unsecured loans. The application is faster, but it requires good credit and stable monthly income. It is best to be a lawyer, teacher, civil servant and other high-quality industries.

2. If you have a provident fund, you can apply for a provident fund decoration loan, but the procedure is more complicated.

How to handle the decoration loan?

The processing flow of decoration loan is:

(1) First, know in advance whether the bank will make relevant renovation loans;

(2) Apply for a loan from the bank. Borrowers who apply for loans from banks must be at least 18 years old, have full capacity for civil conduct, have legal and valid identity certificates and have good credit;

(3) When applying for a bank loan, proof of financial resources must be submitted, and the applicant's bank account is generally required.

legal ground

Article 25 of the general principles of loans

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

How should I apply for a decoration loan?

When you buy a house, you are really happy and excited, but if you find that the money is not enough when you are about to decorate, do you know how to decorate it? Here is how to apply for the decoration loan I arranged for you. I hope it will help you.

How to apply for a decoration loan

1, apply for personal credit loan decoration;

2. Personal consumption loans: consumer loans applied for by real estate mortgage;

3. Credit card home improvement installment: apply for credit card cash installment and choose home improvement building materials;

4. Internet finance application: apply for a loan from a finance company.

How to apply for a loan for the house decoration of CCB?

I. Installment payment business

Refers to the business that the cardholder applies to use the credit card to settle in the merchants designated by CCB, including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc. After the approval of CCB, the cardholder pays the settlement money at the merchants designated by CCB through the special installment POS machine, and the corresponding transaction amount is divided into several installments on average. The cardholder repays the money every month within the agreed time limit and pays a certain handling fee.

Second, two housing modes in stages.

(1) You can choose a decoration company that cooperates with CCB to contract materials and pay the decoration company in one lump sum.

② At the same time, you can choose ceramic tiles, tablecloths, cabinets, furniture, home appliances and many other businesses. Cooperate with CCB to purchase materials for decoration.

Three. Number of installments, amount, purpose and handling fee

① Number of periods: 6 periods, 12 period, 18 period, 24 periods, 36 periods, each period is one month.

(2) Quota and purpose: the applied quota is 20,000 yuan or more and 6,543.8+0,000 yuan or less, and the validity period of the quota is 6 months from the loan date; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan.

③ Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer.

Fourth, business characteristics

① Special credit line-exclusive installment credit line, which does not affect customers' use of fixed credit card line.

(2) Flexible use-A number of designated cooperative merchants use it flexibly. Compared with the entrusted payment method of personal loans, customers have a wider range of consumption.

③ Simple procedures-exclusive one-stop channel for handling, and customers' application procedures are simple and quick.

Verb (abbreviation for verb) Information required for customer application.

① Application Form for Installment Payment of Longka Credit Card;

② Identification;

③ The front and back of the copy of CCB credit card;

4. Financial certificate;

5 real estate license;

⑥ Letter of Commitment for the installment payment of Longka Credit Card;

⑦ Face-to-face questionnaire for installment payment of Longka credit card.

Note: the applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc.

Lending and use of intransitive verbs

① After CCB receives the customer's complete application materials, it can pay by credit card. It takes about 18 working days for customers with cards and 15 working days for customers without cards.

(2) In the process of examination and approval, CCB staff should contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact telephone number open after submitting the application, so as not to affect the time limit for examination and approval.

(3) After approval, CCB will notify the cardholder of the credit line by SMS and telephone. The cardholder takes the CCB credit card to the cooperative merchant and pays by swiping the card with the CCB POS machine. The special amount can be used several times according to the progress of the renovation project, but the amount of credit card swiping each time cannot be less than 1 1,000 yuan. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card.

Seven. Charge and repayment

① The "0" interest, "0" down payment and handling fee of the housing installment payment business will be collected in one lump sum at the time of the first repayment, and the unused amount will not be paid.

(2) For example, the customer swipes the card for one year at 16, with the interest rate of 3.5%, the billing date is 17 June, and the due repayment date is the 7th of the following month. Total repayment amount for the first repayment = 65438+100000 yuan, 3.5% 65438+100000 yuan/12 = 35008334 yuan =1/834 yuan,/kloc-.

Personal housing commercial loan process demand

1 First of all, everyone should go to the bank to inquire whether they meet the loan conditions and what information they need to apply for a loan.

Sign a house purchase contract with the developer and pay the down payment.

Fill in the loan application form and submit other materials required by the bank. Usually, the developer will cooperate with the relevant bank, and the bank will assign a lawyer to handle it on the spot, so you only need to submit the relevant information in the developer's office.

4. Entrust a law firm designated by the bank to conduct credit review. This is a crucial step, because banks need to determine whether buyers are eligible for loans. After reviewing personal credit, lawyers will issue personal credit legal opinions to banks for reference when deciding whether to lend.

Bank audit is mainly to review the information submitted by the buyers and the opinions of lawyers, and then decide whether to provide loans to the applicants.

Sign loan contract and authorization for transfer and deduction.

7 go through the insurance formalities. The borrower, that is, the property buyer, should handle the property insurance of the mortgaged house with the designated insurance company. Generally speaking, banks will handle this procedure for buyers.

8. Handle the mortgage registration of house property rights. If you buy an auction house, go to the local real estate registration center for pre-mortgage registration; If the existing house needs to be mortgaged, the borrower shall go through the mortgage registration formalities at the real estate registration center after obtaining the real estate ownership certificate.

How to apply for a loan for decoration

Housing renovation loan application process:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.

4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

Let's talk about how to apply for a decoration loan first.