China Bank Decoration Loan Conditions:

1, a natural person with full capacity for civil conduct; Have a local permanent residence or valid residence status and a fixed detailed address; Have a proper occupation and a stable and reliable income, and have the ability to repay the principal and interest of the loan on schedule;

2. In principle, it is required to hold the budget table of decoration enterprises and decoration projects approved by the lender; Provide property mortgage, pledge or third-party guarantee approved by the lender, and the guarantor is an individual or unit with compensatory ability approved by Bank of China, and shall bear joint and several liabilities; In the bank designated by China Bank, there is a deposit certificate of not less than 30% of the total amount of home decoration or a certificate that more than 30% of the decoration funds have been raised and paid; Implement other loans designated by the lender.

China Bank Decoration Loan Application Required Materials:

1, and other original valid residence certificates;

2. Ownership certificate approved by the lender;

3. In principle, the decoration agreement or contract signed with the decoration enterprise recognized by the lender and the budget table of the decoration project shall be provided for large-sum high-grade decoration;

4. Pledge or statement signed by the asset mortgage or pledge form and the person with the right to dispose of it (including the property owner) agreeing to mortgage or pledge. Collateral, the value assessment report issued by the competent department and the insurance certificate of the insurance department shall be submitted. If it is guaranteed by a third party, submit documents and relevant credit certification materials;

5, not less than 20% of the total renovation project in China bank deposit certificate or self-raised funds to pay more than 20% of the total project payment certificate;

6. In principle, provide the business license (photocopy) and qualification certificate (photocopy) of the decoration enterprise for large-sum high-grade decoration;

7. Other supporting documents and materials required by the lender.

Second, what information do you need to apply for a decoration loan?

With the development of society, it is more and more normal for people to apply for decoration loans. But many people don't know what information they need to apply for personal decoration loans. Now, let me introduce you. 1, the original and photocopy of resident identity documents (ID card, household register, military officer's card or other valid identity documents); 2 personal income certificate (income certificate issued by the unit, payroll, tax bill, deposit certificate that can be used for repayment, etc.). ); 3. The home decoration project contract signed with the decoration enterprise, the contract for purchasing home decoration materials, the contract for purchasing kitchen and bathroom equipment, and the budget for home decoration; 4. A copy of the business license and qualification certificate of the decoration enterprise; 5. Proof of ownership and rights of the list of collateral and pledge, as well as proof that the person who has the right to dispose of it agrees to mortgage and pledge; Collateral must submit proof of ownership or right to use, valuation and insurance documents; The pledge of rights must also provide a certificate of rights; The guarantor agrees to guarantee the document; 6. Other materials required by the lending bank.

3. What materials do I need to apply for a decoration loan?

To apply for a decoration loan, you need to submit the following materials:

1, valid ID card, certificate of permanent residence issued by neighborhood committee, and confirmation of my identity and permanent residence;

2. Proof of professional and personal income issued by the unit, proof of stable work for more than six months in a row (or proof of personal repayment ability);

3. Real estate certificate of real estate mortgage (required for mortgage loan);

4. Confirm the bank deposit statement and water and electricity tax bill to confirm their credit quality;

5. The decoration project contract signed with the decoration enterprise, the purchase certificate of decoration materials and other materials, and confirm the purpose of the loan;

6. A copy of the business license and qualification certificate of the decoration enterprise to confirm whether the partner is within the prescribed scope;

7. Other conditions required by banks or financial institutions.

4. How to withdraw 654.38+10,000 yuan decoration loan from CCB?

Go directly to the bank to apply, fill in the application form, submit relevant information and submit it to the bank.

After the bank receives the application materials, it passes the examination and goes through the relevant formalities.

For online application, the withdrawal method of CCB decoration loan is as follows

Cash withdrawal at the counter. After submitting the application, the bank will issue a receipt voucher, and the customer will take the loan contract and his ID card to the counter of China Construction Bank for cash withdrawal.

Direct telephone withdrawal, transfer the money to the borrower's account.