What is the decoration loan of ABC?

It is a credit loan granted to natural persons who apply for mortgage loans in Agricultural Bank of China, and it is used for the decoration of houses they buy, the purchase of furniture and household appliances and other consumer purposes. China Agricultural Bank's housing decoration consumption loan, also known as home improvement loan, is a loan issued by China Agricultural Bank to customers with houses for their purchase of housing decoration, furniture and household appliances and other consumer purposes.

China Agricultural Bank decoration loan application conditions:

The consumer business applicant shall meet the following conditions in addition to the basic requirements in the Measures for the Administration of Personal Credit Business of Agricultural Bank of China:

1. The borrower's application score must meet the scoring access standard specified in "Personal Consumption Loan Application Scorecard".

2. The borrower has a stable source of income, in principle, is a working class, and has continuously paid social security or housing accumulation fund or wage personal income tax in the last 12 months.

3. Personal housing mortgage loan customers (including pure provident fund loan customers), and the net property value (house price minus loan principal balance) can cover the installment amount;

4. The owner of the house (including some property owners) and the home improvement installment applicant must be the same person or related to their spouses, parents and children. If it is not the same person, relevant certification materials must be provided.

Agricultural Bank decoration loan application materials:

1. Basic materials: ID card, household registration book, marriage certificate and real estate license.

2. Social security or provident fund or personal income tax customers: provide social security or provident fund or personal income tax for the last 12 months; Provide bank payroll for the past year.

3. Civil servants or personnel of public institutions: provide social security or provident fund or personal income tax for the last 12 months; Provide proof of income issued by the unit.

Credit requirements for renovation loan of Agricultural Bank of China:

1. Singles usually come fourth, or at most fifth. Married singles can't sign more than two personal consumption loans except business loans;

No more than 5 inquiries within 2.2 months;

3. Except for operating loans, the credit balance shall not exceed 700,000;

4. The credit card swiping rate is within 70%;

5. No more than 6 times within 2 years overdue, and 5 years as a reference, not too bad.

The renovation loan process of ABC is as follows:

1. Customer applies for house decoration loan.

2.ABC investigates the authenticity of the loan.

3. The Agricultural Bank of China shall examine and approve the application materials.

4. The borrower signed a loan contract with the Agricultural Bank of China.

5. The borrower signed a supplementary agreement with the Agricultural Bank of China.