Having full capacity for civil conduct; The borrower has a stable job and economic income, no bad credit record and the ability to repay on time; The borrower opens a personal settlement account in the postal bank; The borrower needs to provide a guarantee approved by the postal bank; The applicant agrees to other provisions of the Postal Savings Bank, and the decoration loan can only be made after meeting the above requirements.

Materials to be prepared:

1. Valid ID card, permanent residence certificate issued by neighborhood committee, identity and fixed residence certificate;

2. Proof of professional and personal income issued by the unit, proof of stable work for six months or more in a row (or provide your monthly salary bill in recent months) to prove your repayment ability;

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

4. Bank deposit statement, water and electricity tax bill and other certificates. To 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;

6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;

7. Other conditions required by banks or financial institutions.