Housing renovation loan application process:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After the bank has approved and completed all procedures, the bank will issue loans as agreed in the contract.

4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

How to apply for a decoration loan

Decoration loans need to prepare personal and housing related information, fill in the application form, and go to the bank to apply. The following is the application process:

(1) Fill in the personal housing renovation loan application form.

(2) Provide valid certificates and photocopies (valid residence certificates such as resident ID card and household registration book).

(3) Home decoration project contract.

(4) Proof of economic income recognized by the bank.

(5) Provide house property certificate or commercial house sales contract or pre-sale contract.

(6) Mortgage guarantee information: list of collateral, ownership certificate (pledge of property owner) and collateral evaluation report.

(seven) other information that needs to be provided.

Precautions:

1. Some commercial banks have specially launched decoration loans, and most banks classify decoration loans as personal consumption loans or personal unsecured loans. The application is relatively fast, but it needs good credit and stable monthly income. It is best to be a lawyer, teacher, civil servant and other high-quality industries.

2. If you have provident fund, you can apply for provident fund decoration loan, but the procedure is more complicated.

How do individuals apply for decoration loans?

Under normal circumstances, the lender should provide the following information to the bank when applying for decoration loan: 1, valid identity information, permanent residence certificate issued by the neighborhood Committee, identity and fixed residence certificate; 2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary statement for the latest month) to prove its repayment ability; 3. Real estate certificate of real estate mortgage (required for mortgage loan); 4. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality; 5. The decoration project contract signed with the decoration enterprise, the purchase of decoration materials and other materials that prove the purpose of the loan; 6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope; 7. Other conditions required by banks or financial institutions. There are no unnecessary requirements and unknown application materials for applying for bank housing decoration loans in Uvogin. Owners only need to prepare the following four materials when applying for decoration loan: 1, identity information, household registration book and marriage certificate; 2, apply for renovation of the housing property certificate (mortgage housing need to provide additional loan contract repayment list); 3, proof of economic repayment ability (social security for more than one year, bank running for nearly one year); 4, renovation contract, decoration budget. Tripartite agreement: Little Uvogin advocates real people, real houses and real decoration. One-on-one account managers assist customers to collect the materials needed for loans completely, and strive to obtain loans at one time through examination and approval, so that owners can decorate their dream nests as soon as possible.

How is the decoration loan handled? How much is the interest?

Renovation loan processing flow:

1. When applying for a house decoration loan, the borrower must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures;

2. After investigation and approval by the account manager, the loan contract shall be signed after 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 in our bank, 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 formalities.

For short-term loans, the annual interest rate within one year (including one year) is 4.350%; If it is a medium-and long-term loan, the annual interest rate for one year to five years (including five years) is 4.750%, and the annual interest rate for more than five years is 4.900%.

Extended data:

Materials to be provided for housing renovation loans:

(1) Original and photocopy of legal identity documents (resident identity card, household registration book or other valid residence documents);

(2) The house title certificate or house use certificate with the borrower's name;

(three) the economic income certificate issued by the unit;

(four) the construction contract of the house renovation project;

(5) If it is a mortgage loan, it is required to have the property right certificate of the mortgaged property, the list of pledged property, the certificate that the dispossessor agrees to mortgage or pledge, and the appraisal report of the mortgaged property;

(6) The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate.