First, the borrower to apply for housing renovation loans, must apply for the opening of business outlets.

2. Fill in the application form, submit relevant materials and handle relevant guarantee procedures.

Three, the account manager investigation, examination and approval, after the approval of the competent examination and approval department, signed a loan contract.

4. The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in the bank, so that the customer can use the loan funds.

5. The borrower repays at the business counter or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold repayment on its behalf.

Decoration loan:

Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project. There are two kinds of home improvement loans and a credit card installment payment form, as follows:

1. Apply for personal credit loan decoration;

2. Personal consumption loan decoration loan. The consumer loan here refers to the secured mortgage loan, that is, the consumer loan applied for by real estate mortgage;

3. credit card home improvement staging;

4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.

There are two kinds of decoration loans, one is to apply by credit card in stages, as follows:

1. Apply for personal credit loan decoration.

Credit loans are unsecured and unsecured, but more than half of the credit loan products in the market have high requirements for consumers, or the threshold for asset certification is high, or people in specific industries, VIP customers and senior management of the company can apply. Be sure to strictly examine the details of the applicant's job nature, industry, income and so on. Consumers prefer personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank. The credit loan amount of these banks is generally 5-8 times the monthly income, and of course the interest rate will be higher.

2. Personal consumption loan decoration loan

Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. As many banks are engaged in this business, consumers have a relatively large choice.

However, banks have different requirements for mortgaged real estate in terms of house price, house age and real estate area. Consumers must do their homework before applying. If an individual owns one or more properties, he can try to apply, not only to get more loans, but also to have a longer term. However, the specific loan amount depends on the bank's review of consumers' personal qualifications and real estate status (geographical location, house price, real estate area and house age).

3. Credit card home improvement installment payment

In order to better meet the needs of consumers for home improvement by stages, some banks have launched credit card home improvement by stages, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. The upper limit of the general quota is 6.5438+10,000-200,000, and the maximum installment quota of a single product is 500,000. However, it should be noted that the applicants should be civil servants, teachers, full-time employees of banks, and middle and senior managers of companies with registered capital of more than 30 million. The general stage of home improvement is 12 months, 24 months, and the longest is 36 months. For the list of domestic banks that can apply for home improvement by stages, please check the personal loan product selection of Easy Loan China in 2009.

Applying for credit card installment home improvement will also be subject to certain restrictions, that is, the services and products selected by consumers must be cooperative merchants of banks. If the selected merchants are not among the cooperative merchants of home improvement staging, they cannot apply for staging. With prerequisites, what other conditions do applicants need? Real estate! As a mortgage guarantee, buyers need to provide real estate licenses or real estate sales or pre-sale contracts, purchase invoices, bank loan contracts, etc.

Consumers must be clear about the provisions of bank home improvement by stages, such as credit limit and consumption limit, repayment problem, liquidated damages and other issues. Once you have handled the credit card home improvement stage, you should also pay attention to product quality and after-sales service. After all, once the money is given, it is easy to solve the quality problems in the decoration process in time.

How to apply for a decoration loan?

There are two ways to apply for a decoration loan.

Prepare the application materials first and apply to the bank yourself;

Second, contact the loan service provider and tell the loan service provider your real situation, such as credit information, debt, income and so on.

The loan service provider will recommend the most suitable bank application to you according to your situation and the application difficulty and rate of the local bank decoration loan.

In the application process, it will also help you avoid some easy mistakes and make your approval easier.

For example, the authenticity evaluation of application materials, what materials are more conducive to loan approval and so on.

Although seeking help from loan service providers has many advantages, some loan service providers charge fees, while others do not.

Generally, loan service providers who do not charge service fees have deep cooperation with banks. The loan service providers who charge fees may not directly cooperate with the banks, or the degree of cooperation is not deep.

It is recommended to choose a loan service provider that does not charge. When I say no charge, I mean no extra charge except bank interest.

Of course, if you think that the charging loan service provider is reasonable and can really help you get a lower rate, you can also consider it.

How to handle the decoration loan?

The processing flow of decoration loan is:

(1) First, know in advance whether the bank will make relevant renovation loans;

(2) Apply for a loan from the bank. Borrowers who apply for loans from banks must be at least 18 years old, have full capacity for civil conduct, have legal and valid identity certificates and have good credit;

(3) When applying for a bank loan, proof of financial resources must be submitted, and the applicant's bank account is generally required.

legal ground

Article 25 of the general principles of loans

If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

How to apply for a decoration loan? What's the procedure?

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 the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to 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.