Decoration loans refer to personal credit loans issued by banks or consumer finance companies for the purpose of family housing decoration. Decoration loans require the lender to have relevant identity and economic conditions. This paper introduces the loan conditions, required materials and matters needing attention of the bank decoration loan. _ What is a decoration loan? Decoration loan refers to the personal credit loan provided by banks or consumer finance companies for the purpose of family housing decoration. _ Decoration loan terms 1. Have a local permanent residence and a legal and valid identity certificate. 2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity. 3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc. 4. For newly purchased houses, materials such as sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again). 5. Other conditions stipulated by the Cooperation Organization. _ Materials required for renovation loan 1. Identity cards and household registration books of the applicant, spouse and repayment participants (photocopies). 2. Marriage certificate or unmarried certificate. 3 proof of income of the applicant and the repayment participant. 4. Housing property certificate or public housing lease certificate. 5. Materials required by other cooperative institutions. _ Matters needing attention in bank decoration loan 1. Real estate must have its own house. Personal housing decoration loan is a loan issued by the bank to the borrower for the decoration of its own house. The house decoration mentioned here refers to the engineering activities of transforming and processing houses by using decoration materials, that is, the real estate must be its own. 2. The special requirements of renovation contract's housing decoration loan are: having the renovation contract, decoration budget and related materials signed by the decoration enterprise recognized by the relevant departments; Some banks also require owners to have no less than 30% of the total decoration budget, and then use the loan after investing in the project construction. 3. Cash withdrawal is not allowed. According to the regulations of the bank, personal consumption loans are generally not allowed to withdraw cash. The bank will transfer the money to the account of the decoration company. 4. The loan term is generally not more than 5 years.