1. The borrower applies for a loan. The applicant shall go to the branch and business department of the bank branch (hereinafter referred to as the loan bank) to receive and fill in the Application Form for Personal Housing Decoration Loan of China Construction Bank, and provide the following materials to the law firm or notary office recognized by the loan bank: (1) Original and photocopy of valid identity documents; (2) A borrower's income certificate issued by a department recognized by the loan bank; (3) List of title certificates, ownership certificates and consent certificates of persons (including property co-owners) who have the right to dispose of the property. If a third party provides a guarantee, it shall issue a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee; (4) Having the Construction Contract for Decoration Project of Beijing Family Rooms signed with the decoration enterprise, and the decoration enterprise must sign the Cooperation Agreement with the branch of China Construction Bank; (five) the housing ownership certificate or lease contract of the rebuilt house registered by the Municipal Housing and Land Administration Bureau; (6) Other conditions stipulated by the lending bank.

Investigation (Decoration Regulations) Law firms or notary offices investigate the credit status, repayment ability and authenticity and legality of the materials of loan applicants and guarantors, and issue legal opinions or notify loan applicants who do not meet the loan conditions within 5 working days after receiving the above materials and return all their materials.

Three. Bank Approval After receiving the legal opinion issued by the law firm or notary office, the lending bank will conduct a review.

Four. Open an account for the borrower and go through the insurance formalities. After the loan bank agrees to issue the loan, it shall notify the borrower to open a current savings account (passbook, savings card and credit card) in the bank as the designated account for repayment. For loan applicants who apply for loans by mortgage, banks should guide them to fill in insurance policies correctly and pay premiums.

Verb (abbreviation of verb) Signing a loan contract The borrower should sign a loan contract at the loan bank with the current savings passbook or savings card or the original credit card and insurance certificate.

Six, after the loan contract comes into effect, the funds into the borrower's account.

Seven, the loan amount of personal durable consumer goods loans starting point is 3000 yuan (inclusive). If the collateral is secured by mortgage, the value of the collateral shall be assessed in accordance with the relevant provisions of the Construction Bank, and the loan amount shall not exceed 70% of the assessed value of the collateral; If it is secured by pledge, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If credit or third-party guarantee is adopted (the guarantor is a natural person or legal person), the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan.

Eight, the shortest loan period is half a year, the longest is 5 years (including 5 years).

Nine, the loan interest rate according to the provisions of the people's Bank of China loan interest rate for the same period, and can be implemented within the scope of the provisions of the people's Bank of China.