There is no harm. You can go to the bank to find out in what name and what kind of loans have lower interest rates. You're not. This is a normal bank loan process, and there is no harm.

Second, do you have to have renovation contract to borrow provident fund decoration loans?

Do provident fund renovation loans have to have renovation contract? 1. The lender must have permanent residence or valid residence status in this city; 2. Push forward from the date of application, and pay the housing provident fund in full for more than 2 months (if both husband and wife pay the provident fund, only one person is allowed to borrow); 3. There are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law; 4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price); 5. Have a stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit); 6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.

Third, look here! 20 17 model house decoration loan contract

Housing renovation loans are also called individuals. It is based on the individual's monthly salary income as the basis for judging the loan amount, which is used for personal consumption and does not guarantee RMB loans.

Apply for housing renovation loans, the loan amount does not exceed 80% of the total price of renovation contract, and the loan period generally does not exceed 5 years. So, what is a house decoration loan contract? For your reference, we will provide you with a model loan contract for renovation of CCB. China Construction Bank loan contract model. : _ _ _ _ _ _ Borrower: _ _ _ _ _ _ (hereinafter referred to as Party A) Loan Bank: _ _ _ _ _ _ _ People's Construction Bank of China (hereinafter referred to as Party B) Party A used the foreign exchange funds needed by _ _ _ _ _ _, and applied for a foreign exchange loan from Party B on. According to the application for foreign exchange loan (No.:_ _ _ _) and other relevant materials filled out by Party A, Party B agrees to issue a foreign exchange working capital loan to Party A after examination. In order to clarify the responsibilities and abide by the credit, this contract is specially signed and abided by jointly. Article 1 Party A borrows (name of foreign currency) RMB _ _ _ ten thousand Yuan (in words) from Party B ... Article 2 The loan period starts from the date of the first payment of foreign exchange to the date of full repayment of principal and interest, that is, from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. Article 3 Within the loan term agreed in this contract, the benchmark interest rate of the loan will fluctuate monthly, and interest will be calculated once every quarter. Article 4 Party A is willing to abide by the Interim Measures of the People's Construction Bank of China for Foreign Exchange Liquidity Loans and other relevant regulations, and provide relevant information and financial data on loan use and credit management according to Party B's requirements ... Article 5 Party A shall open foreign exchange and RMB accounts with Party B, and use the funds in accordance with the relevant regulations of the State on foreign exchange management. Article 6 Payment plan, repayment plan and interest plan are integral parts of this contract and have the same legal effect as this contract. Party B guarantees to supply funds in time according to the payment plan. If the loan cannot be released on time due to Party B's responsibility, Party B shall pay _ _% of the liquidated damages to Party A. If Party A cannot use the funds as planned for some reason, it must submit an adjustment plan to Party B one month in advance. Otherwise, Party B will charge _ _% of the commitment fee for the unused or overused part according to the actual number of days occupied. Article 7 Party A guarantees to repay the principal and interest in the borrowed foreign currency according to the debt repayment plan (if it is repaid in other freely convertible foreign currencies, it will be converted into the borrowed foreign currency according to the foreign exchange quotation at the time of repayment). If Party A fails to pay off the loan principal and interest on the termination date of the loan term due to force majeure, Party A shall apply to Party B for extension fifteen days before the expiration date. With the consent of Party B, both parties agree to modify the original loan term of this contract and re-determine the corresponding loan interest rate. If the loan is issued without Party B's consent, Party B will charge _ _% overdue interest for the overdue part. Article 8 Party A guarantees to use the loan for the purposes agreed in this contract. In case of misappropriation, in addition to making corrections within a time limit, Party B will also impose a penalty of% on the misappropriated part, and has the right to stop or recover all or part of the loan. Article 9 Party A shall be the guarantor of the loan principal and interest under this contract, and the guarantor shall issue a letter of guarantee to Party B according to Party B's requirements ... Once Party A is unable to repay the loan principal and interest, the guarantor shall fulfill the responsibility of repaying the loan principal and interest. Article 10 Matters other than this contract shall be handled by Party A and Party B in accordance with the Economic Contract Law of the People's Republic of China and the Regulations of the State Council on Loan Contracts. Article 11 This contract shall come into effect as of the date when both parties sign and seal it, and shall become invalid after all the loan principal and interest are recovered. The original of this contract is in duplicate, with each party holding one copy. Party A: _ _ _ _ _ _ Party B: _ _ _ _ _ _ Company name: _ _ _ _ (official seal) Company name: _ _ _ _ _ (official seal) Signatory: _ _ _ _ _ _ (signature) Signatory: _ _ _ _.