The loan process is as follows: 1 Application: After the borrower has prepared the materials needed to apply for the decoration loan, he will apply at the Agricultural Bank outlet.
2. Acceptance and review by the bank: After receiving the application materials, the Agricultural Bank will review and rate the applicants and application materials.
3. sign the contract. After the approval, we will sign a loan contract for house decoration with our customers.
4. Issue loans. The Agricultural Bank of China will issue loans according to the time stipulated in the loan contract.
Second, what are the conditions for loan decoration? How about a decoration loan?
not bad
Three, the Agricultural Bank of China decoration loan to meet what conditions?
Personal data need to be prepared with the original ID card, income and employment certificate issued by the company, official seal or financial and labor seal (discount, work card, tax payment certificate (you can get your ID card from the local tax bureau 1 year).
Get the application form: you can get it directly at the bank credit card center, download the application form yourself at the bank credit card center, or fill in the application directly online.
Supplementary conditions for handling large credit:
1. This city has a fixed telephone number.
2. get married;
3. Household registration in this city;
four
5. Education level;
7. Statement of work
Pay attention to handling cards
Case 1: You already have a credit card. If you have a good repayment record, this is the key to a good consumer credit and repayment card.
Case 2: If you have never used a letter, it may be difficult to apply for a large credit card. So what does the bank look at? Your income and assets determine whether to give you a card and the size of the credit line. This is very simple. Can provide weighty asset certificates, such as income certificates, house property certificates, mortgage purchase certificates, automobile property certificates, etc. Secondly, your work unit and a certificate that can prove your personal ability will also help you get a large credit card, such as academic certificate, technical grade certificate and other qualification certificates.
Four, China Agricultural Bank decoration loan to meet what conditions?
1. Residents who have reached the age of 18 and are under the age of 60, have full capacity for civil conduct and hold legal and valid identity documents; 2. Have a stable work unit, a source of economic income, and the ability to repay on time; 3. Personal credit is good, and the credit score is above 580 (inclusive), which meets the scoring access standard stipulated in the Personal Consumption Loan Application Scorecard; We have successfully applied for a mortgage loan from the bank. 1. In general, the renovation loan process of Agricultural Bank is as follows: 1. After meeting the basic conditions of ABC's renovation loan, submit an application for renovation loan to the bank and submit relevant application materials. Generally speaking, the materials submitted include: (1) the original and photocopy of the applicant's legal identity card (resident identity card, household registration book or other valid residence certificate). (2) The house title certificate or house use certificate of the borrower's name. (3) proof of economic income issued by the unit. (4) Building decoration project construction contract. (5) In case of mortgage loan, the property right certificate of the mortgaged property, the pledge list, the certificate that the disposition owner agrees to mortgage or pledge and the mortgaged property shall be provided. 2. After accepting the loan application, the bank will investigate and review the borrower according to the submitted materials, and approve those that meet the requirements. 3. After the bank informs the borrower of the approval result, the borrower goes to the bank to sign the loan contract and relevant supplementary agreement. 4. The bank issues loans according to the contract. 5. Repay the loan principal and interest according to the agreed repayment method, and pay attention to timely and full repayment. 6. After the loan is settled, go through the loan settlement procedures. 2. It should be noted that before applying for decoration loan from Agricultural Bank, the applicant needs to meet the following conditions: 1. Applicant 18-60 years old, with full capacity for civil conduct; 2. Have local permanent residency or foreign residency, but hold a valid local residence permit; 3. Have a fixed residence address in the local area; 4. Have a stable job and income; 5. There are certificates such as the home decoration project contract signed with the decoration enterprise. Matters needing attention in handling cards: Case 1: You already have a credit card. If you already have one or more credit cards and have a good repayment record, you only need to pay attention to one thing. Good consumer credit and repayment credit are the key to applying for a large credit card. Handling large credit cards Case 2: Never used a credit card. In this case, it may be difficult to apply for a large credit card. So what does the bank look at? Your income and assets determine whether to give you a card and the size of the credit line. This is very simple. You can provide weighty asset certificates, such as income certificates, real estate certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates. Secondly, your work unit, personal ability, application experience and other certificates that can prove your personal ability will also help you get large credit cards, such as academic certificates, technical grade certificates and other qualification certificates.