Because of the different policies in different cities, you can directly contact the personal loan department of local outlets to confirm whether there is provident fund loan business and related business regulations in your local area!
2. Can I borrow money to decorate the second-hand house I just bought?
Loan problem of decoration provident fund 1. Meet the basic requirements for renovation provident fund loans: 1. The main lender has continuously paid the provident fund for more than 6 months; 2. The borrowed second-hand house is more than 70 square meters after the age of 90; (If the second-hand house borrowed by the customer is below 70 square meters, it can be handled specially) 3. The sum of the existing loan amount and decoration loan of the borrowed second-hand house shall not exceed 70% of the total house price; (At present, the decoration loan standard is 1 1,000 yuan/square. Second, the basic information needed to decorate the provident fund loan: 1, the real estate license, the owner's ID card, household registration book, marriage certificate, the bank statement of the latest loan, and the provident fund account number of the main lender; 2. renovation contract, the invoice of the renovation advance payment, the relevant staff went to the scene to investigate the authenticity of the renovation. Fourth, the process of handling the renovation provident fund loan: evaluation, signing, mortgage and bank lending. 5. The expenses incurred in handling the renovation provident fund loan: appraisal fee, handling fee and house purchase guarantee fee, and the expenses incurred are different according to different situations of customers. (It depends on the specific situation, but it is basically around 2,000 yuan) Sixth, the repayment method for handling the renovation provident fund loan: 1, and the repayment method is free to choose average capital or equal principal and interest; 2. You can repay in advance, or you can pay the provident fund monthly or annually; 3. If you repay in advance, you can also refund part of the house purchase guarantee fee.
Third, the house has just been bought, can I make a decoration loan?
Yes, it's best to go to the Agricultural Bank, which is still the most convenient.
If the house you mortgaged was bought in that year, you can apply for a renovation loan, and take: 1. ID card and household registration book; 2. House property right certificate or house use right certificate; 3. Proof of the borrower's economic income or solvency issued by the recognized department; 4. Building decoration project construction contract; 5. List of collateral property rights certificates; 6. The guarantor agrees to provide a written guarantee document and a credit certificate of the guarantor; 7. The borrower who has handled individual housing loan in the bank shall also provide a copy of the individual housing loan contract; 8. A copy of the corporate business license of the decoration enterprise can apply for a decoration loan in the bank.