☆ Loan information 1, with the maximum loan amount not exceeding 3 million yuan. 2. The loan term can be up to 5 years. 3. The expected annualized interest rate of the loan shall be implemented after the expected annualized interest rate of the benchmark loan of the same grade in the same period announced by the People's Bank of China fluctuates appropriately. 4. Guarantee method The borrower must provide effective guarantees recognized by the loan handling bank, including real estate mortgage, deposit certificate or national debt pledge guarantee, and third-party guarantee. The specific guarantee method shall be determined by the borrower and the lender through consultation. ☆ Loan conditions 1, loan age 18 years old, with full capacity for civil conduct; 2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan; 3. Holding a decoration project contract or purchasing decoration products; 4. Personal property houses are used as collateral, or Shanghai bank deposit certificates and voucher-type government bonds are used as collateral, or units and individuals recognized by Shanghai Bank are used as guarantors who bear joint and several liabilities; 5. Other conditions stipulated by the loan handling bank. ☆ Loan process 1. When applying for a loan from the loan handling bank, the loan applicant needs to fill out the "Application for Personal Property Decoration Loan" and submit relevant certificates and materials; 2. The loan handling bank shall review the authenticity, legality and credit degree of the documents and materials submitted by the loan applicant, and make qualified commitment loans. On this basis, the loan applicant signs a decoration project contract or a decoration product order contract with the decoration company or the unit selling the decoration products, and submits the original contract; 3. The borrower and the borrower sign the Personal Property Decoration Loan Contract and the corresponding guarantee contract. With real estate as collateral, home insurance and real estate mortgage registration procedures should be handled; 4. The loan handling bank will transfer the loan funds to the borrower's counterparty account according to the borrower's payment voucher.