Simultaneous application: when applying at the same time, the application materials, business processes and related requirements are consistent with the supporting individual housing loans; At the same time, renovation contract can not be provided temporarily. However, before the loan is issued, the renovation contract or agreement signed with the decoration company or developer must be required; If a natural person guarantees, the identity information, income or asset certification information of the guarantor shall be provided with reference to the information of the loan applicant.
Separate application: customers who have applied for individual housing loans in our bank and the housing loans are not settled can apply for individual housing decoration loans separately. The application materials, business processes and related requirements of individual housing renovation loans are consistent with the supporting individual housing loans. When applying for individual housing decoration loan alone, the renovation contract or agreement signed with the decoration company must be provided at the same time when applying for the loan.
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