Shanghai Pudong Development Bank Personal Decoration Loan Application Form
1. application
Eligible owners can first apply to Shanghai Pudong Development Bank for housing renovation loan business.
Step 2 prepare materials
When applying for the decoration loan of Shanghai Pudong Development Bank, prepare the corresponding materials according to the customer service prompts, as follows:
1) Valid proof of marital status and personal income.
2) Housing transaction contracts, agreements or other documents that effectively confirm the purchase behavior.
3) down payment invoice or receipt.
4) loan application form.
(5) Other materials required by the bank.
3. Silver
After receiving the customer's proposal, Shanghai Pudong Development Bank will review the customer's credit rating, application amount, application requirements and materials. After approval, it will be in three
Step 4 sign a contract
For customers who apply for approval through the decoration loan business of Shanghai Pudong Development Bank, Shanghai Pudong Development Bank will sign a house decoration loan agreement with customers. Before signing the agreement, it is recommended that the owner carefully check the contents of the contract and refer to the information such as the amount, term and interest rate indicated in the contract.
Step 5 complete the formalities
After notarization, mortgage and other formalities are completed, Shanghai Pudong Development Bank will issue the loan amount for house decoration according to the agreed time, and the owner only needs to regularly check whether the amount provided in the bank account is consistent with the amount indicated in the contract.
6. Customer repayment
After the housing renovation loan funds are in place, the owner will repay the loan regularly according to the time limit agreed in the contract, and will not give you bank credit.
2. How about the decoration loan of Shanghai Pudong Development Bank?
The decoration loan of Shanghai Pudong Development Bank is very good. It is a decoration credit loan launched by Shanghai Pudong Development Bank. Personal credit loans for the purpose of family housing decoration belong to unsecured credit loans. The consumer is between 18 and 60 years old and has full capacity for civil conduct. People from Hong Kong, Macao and Taiwan need to live in the Mainland continuously for at least 1 year. Consumers have legal and stable jobs and economic income, good personal credit information and the ability to repay on time.
3. What are the procedures for Shanghai Pudong Development Bank to apply for personal decoration loans?
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. At present, there are two kinds of home improvement loans and a credit card installment form to apply for.
The details are as follows: 1, apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. The consumer loan here refers to the loan term.
The shortest half a year, the longest five years (including five years).
Mortgage loan, that is, consumer loan with real estate as collateral and application. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
Application conditions
1. Have local permanent residence and legal and valid identification;
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 house 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.
Application material
Lenders applying for renovation loans generally need to provide the following materials to the bank:
1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;
2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;
3, housing provident fund deposit certificate;
4. Real estate certificate of real estate mortgage (required for mortgage loan);
5. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;
6. 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;
7. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;
8. Other conditions required by banks or financial institutions.
4. What are the procedures for applying for a personal decoration loan from Shanghai Pudong Development Bank?
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. At present, there are two kinds of home improvement loans and a credit card installment form to apply for.
The details are as follows: 1, apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. The consumer loan here refers to the loan term.
The shortest half a year, the longest five years (including five years).
Mortgage loan, that is, consumer loan with real estate as collateral and application. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
Application conditions
1. Have local permanent residence and legal and valid identification;
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 house 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.
Application material
Lenders applying for renovation loans generally need to provide the following materials to the bank:
1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;
2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;
3, housing provident fund deposit certificate;
4. Real estate certificate of real estate mortgage (required for mortgage loan);
5. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;
6. 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;
7. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;
8. Other conditions required by banks or financial institutions.