At present, most domestic commercial banks provide decoration loans for users to apply for. For example, China's four major banks: China Bank, China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. As well as China Merchants Bank, Ping An Bank, Huaxia Bank and other joint-stock banks, can apply for renovation loans.

If you want to apply for college students' entrepreneurial loans, applicants can choose major banks such as China Everbright Bank, Bank of Communications and Minsheng Bank to apply. When applying for college students' entrepreneurial loans, you need to provide information such as identity certificate, student ID card, ordinary passbook or bank card reconciliation list for the last 6 months.

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. Generally, you can apply for a decoration loan in three ways: bank consumption loan, unsecured loan and credit card home improvement installment.

First, the decoration loan to meet the conditions.

(1) Having a local permanent residence and a legal and valid identity certificate;

(2) Having a proper occupation and stable income, and being able to repay the loan on time;

(3) It has no bad credit record;

(four) the newly purchased houses are renovated, and the materials such as the house sales contract and purchase invoice are provided (or the original houses are renovated again, and the materials such as the house ownership certificate are provided);

(5) Other conditions required by the lending bank.

Two, the lender to apply for decoration loans, generally to provide the following materials to the bank.

(a) a valid identity card, a certificate of permanent residence issued by the neighborhood committee, my identity and permanent residence certificate;

(2) Proof of professional and personal income issued by the unit, proof of stable work for 6 months or more in a row (or monthly salary bills provided by the unit in recent months) to prove its repayment ability;

(3) the real estate certificate of real estate mortgage (required for mortgage loan);

Bank deposit statements and water and electricity tax bills that prove their credit quality;

(5) The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan;

(six) a copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the designated scope;

(7) Other conditions required by banks or financial institutions.