1, age 18, with full capacity for civil conduct.
2. Have a local permanent residence or a valid residence certificate.
3. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule.
4. Personal credit is good, and there are no bad records or serious negative information in the credit report (the bank mainly reviews the credit information of customers in the past two years).
Second, the decoration loan procedures
Eligible customers can bring personal identity cards, household registration books or temporary residence permits, bank running water and other income certificates, real estate licenses, decoration engineering contracts signed with decoration enterprises, purchase decoration materials and other materials, as well as copies of business licenses and qualification certificates of decoration enterprises. And go to the counter of the selected bank outlets to find the staff to handle the loan. First get the application form and fill it out, then submit the completed form together with the information, and then wait for the bank's approval. If approved, the bank will sign a loan contract at the outlet within the agreed time, and then the bank will lend money.
What should I pay attention to when handling decoration loans?
1. Personal housing renovation loan is a loan issued by the bank to the borrower for the renovation of its own housing. The house decoration mentioned here refers to the engineering activities of transforming and processing houses by using decoration materials, that is, the real estate must be its own.
2. The special requirements in the house decoration loan are the house renovation contract, decoration budget and related materials signed by the decoration enterprise recognized by the relevant departments; Some banks also require owners to have no less than 30% of the total decoration budget, and then use the loan after investing in the project construction.
3. The loan term shall not exceed five years, and shall not be extended.
4. A single loan shall not exceed 70% of the decoration budget, and the proportion of pledged loans shall not exceed 80% of my savings deposit.