The condition for individuals to apply for housing renovation loans is 1, and they have permanent residence or valid residence status in this city; 2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan; 3. Have purchased houses or own houses; 4. Holding a decoration project contract or purchasing decoration products; 5. There are assets recognized by the bank as collateral, or units or individuals with sufficient compensatory capacity as guarantors who bear joint and several liabilities; 6. Willing to accept other reasonable requirements put forward by the bank. Process 1. When applying for a loan from a bank, the loan applicant must fill in the Application Form for Personal Housing Decoration Loan. At the same time, submit relevant certificates and materials to the bank; 2. After reviewing the authenticity, legality and credit degree of the relevant certificates and materials submitted by the borrower, the bank promises to lend. On this basis, the loan applicant signs a decoration project contract or decoration product order contract with the decoration company or decoration product seller, and submits the original contract to the bank. 3. The borrower and the borrower sign the Loan Contract for Personal Housing Decoration and the corresponding guarantee contract. The borrower who takes the house as mortgage shall go through the formalities of notarization of individual housing mortgage contract, mortgage housing insurance and real estate mortgage registration. 4. After accepting the certificate of other rights of real estate, the bank shall go through the formalities of loan guarantee or loan lending; 5. Entrusted by the borrower, the bank will transfer the loan funds to the decoration company or the unit selling the decoration products to open an account in the bank in the name of paying the decoration money according to the time stipulated in the loan contract.

2. How many years can ICBC's renovation loan last?

1. Minimum term of renovation loan 1 year, and the longest is not more than 5 years (including 5 years).

2. Personal housing decoration loans refer to RMB loans issued by banks to individuals engaged in housing decoration by designated decoration companies. Three, personal housing renovation loan basic provisions:

1. Loan target: 18 to 60 years old China citizens with full civil capacity;

2. Loan amount: the starting point of the loan is 5000 yuan (including 5000 yuan), and the maximum loan amount does not exceed 654.38 yuan+500,000 yuan (including 654.38 yuan+500,000 yuan);

3. Loan term: the shortest half year and the longest not exceeding 5 years (including 5 years);

4. Loan interest rate: the loan interest rate for the same period stipulated by the People's Bank of China shall be implemented;

5. Guarantee method: pledge, mortgage and qualified third-party natural person guarantee recognized by CCB.

6. Application materials to be provided:

(1) Original and photocopy of valid ID card.

(2) The borrower's income certificate issued by the examination and approval department of China Construction Bank.

(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 home decoration budget.

(4) A copy of the business license and qualification certificate of the decoration enterprise.

(5) When the borrower applies for mortgage or pledge loan, it shall provide a list of title certificates, ownership certificates and certificates that the authorized person (including the property owner) agrees to mortgage or pledge the property.

Where a third party provides a guarantee, it shall issue a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee.

(6) Other materials required by China Industrial and Commercial Bank.

3. What are the conditions for ICBC's renovation loan?

Local permanent residence, ID card, marriage certificate (or unmarried certificate), decoration plan (or statement), house ownership certificate and salary (income) certificate.

4. What are the conditions for ICBC's renovation loan?

Hello, ICBC decoration loan application requires conditions. ICBC decoration loan application process:

ICBC renovation loans need to meet the following conditions:

1, with legal and valid identity documents and permanent residence in the town.

2. Have a stable income source and a good personal credit record, and be able to repay the loan principal and interest on time.

3. It can provide effective guarantee recognized by China Industrial and Commercial Bank.

4, approved by the relevant departments of the decoration enterprises signed the housing renovation contract, decoration budget and other related information.

5. No less than 50% of the decoration budget can be used for decoration projects.

6. Other conditions required by China Industrial and Commercial Bank.

ICBC decoration loan can refer to the following process:

1. Users who want to apply for ICBC decoration loan should prepare some materials needed for the loan and go to ICBC to fill out the loan application form with the help of the staff;

2. The user will submit the prepared materials and the completed application form to the staff at the bank counter for review by the bank;

3. After approval, ICBC will sign relevant contracts with users;

4. Users need to go through some mortgage, guarantee and other related procedures;

5. After ICBC's renovation loan procedures are completed, the bank will issue loans.

If you need funds, you are recommended to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly Baidu Qianhua, renamed as "Qianhua" in June 20 18). Big brands are reliable and trustworthy with low interest rates. The money is spent-full of easy loans, the maximum loan amount is 200,000 (click the official free test amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.