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.
How to deal with it?
1. Handling channel: The borrower applies for personal decoration loan business through the bank branch that offers personal housing decoration loan business.
2. Handling process: ① When the borrower applies for a housing renovation loan, he must apply at the business outlet where the business is opened, fill in the application form, submit relevant materials and handle relevant guarantee procedures;
(2) Sign a loan contract after investigation and review by the account manager and approval by the competent examination and approval department;
(3) The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account, so that the customer can use the loan funds;
(4) The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment;
⑤ After the loan is settled, the bank cancels the creditor-debtor relationship with the customer and goes through relevant procedures.