Speaking of loans to buy a house, it is estimated that eight out of ten people may choose commercial loans. After all, provident fund loans have too many restrictions and not everyone can use them. So, here comes the question, how to apply for a commercial loan? Are there any conditions? Let’s take a look.

1. How to apply for a commercial loan to buy a house

1. Prepare relevant information for application processing. Identity cards and household registers of residents of this city; in addition to ID cards and household registers, non-residents of this city also need to provide their household registration certificate or temporary residence permit provided by the household registration management department of their original location. Passports for overseas residents; underage residents need to provide their birth certificate. certificate. Lenders must have stable and legitimate economic income, and at the same time be able to provide corresponding proof of income.

2. Bank preliminary review. After accepting the loan application, the loan manager will conduct a real investigation on the completeness, authenticity, validity and legality of the "Application Form" submitted by the loan applicant and the required information. Through pre-loan investigation, the bank will prepare applicants who meet the loan conditions for approval.

3． Buy insurance. Under normal circumstances, because the mortgage loan period is relatively long, banks require home buyers to apply for property insurance in order to prevent loan risks.

4. Sign the "Residential Mortgage Contract". After investigation, review, and approval, a loan contract is signed. After the bank has completed the registration and notarization procedures, it will notify the applicant to pick up the contract and sign the "Housing Mortgage Loan Contract"

5. To handle the transfer of property rights, buyers and sellers should go to the Housing Authority to handle the transfer of property rights. Materials provided: ID cards of the buyer and seller, real estate certificates, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, a transaction evaluation report and copies of the materials are required.

6. Handle mortgage registration procedures. After completing the transfer of property rights, the bank will process the mortgage, and you will receive the other warrants 7 days after the mortgage is processed.

7. Bank lending. The trading center produces the certificate of production, the bank obtains other certificates of rights, and the bank lends money. After the bank provides the loan, it must provide the bank with the borrower's tax certificate and a copy of the real estate sales contract. The intermediary agency also needs to stamp its official seal on the second-hand housing mortgage transfer confirmation.

2: Can I get a loan for house decoration?

1. Have a permanent residence in a township or a valid residence status

2. Have a reasonable job and stable income, and have the ability to repay the principal and interest of the loan when due

3. Borrowers for house decoration loans must be able to provide proof of relevant assets, bank statements, and tax bills

4. If you want to renovate a newly purchased residence, you should provide the house transaction contract, house purchase and other documents (or if you re-decorate the original residence, you should provide proof of ownership of the house

5. Other conditions stipulated by the cooperative agency. In addition, if If the house under mortgage cannot be used as a pawn to obtain a decoration loan, you can also obtain decoration money by applying for a non-pawn loan. Nowadays, the non-pawn loan conditions of small loan companies are relatively loose. As long as you have good credit, you can provide 3-6 Monthly bank statements and the ability to repay the principal and interest of the loan on time can be solved.

Three: So how to save the most money on decoration?

How to save money on decoration? , there are three main points: spend your money wisely, overcome your desires, and don’t be greedy for petty gains.

1. Have a clear decoration plan

Resolutely avoid it during decoration. It comes up as soon as you think about it. If you change the shape and style in the middle, the finished wall will be demolished, and the color of the installed bricks will be wrong. The extra labor cost will be doubled, and you can't save it no matter how much you save. It is recommended to consult more, prepare more, plan more, communicate more, understand your own decoration needs, and formulate a clear decoration plan.

2. Learn some decoration knowledge

During the decoration process, It is easier to have differences of opinion. For example, in water and electricity renovation, the cost of threading three wires through one pipe is completely different from that of one pipe. , if you can't pump it, it won't work. If you can understand a little bit, you can avoid pitfalls, and you can better know where to save and what not to save.

3． Start large and then small to save on board costs

Indoor wood products need to be customized on site. When workers are making them, they should work from large to small, first making large items such as wardrobes and TV cabinets, and then making shoe cabinets, clothing and hats. This can save a lot of boards, and the scraps left over from making large wood products can be used to make partitions, drawers, etc. for small pieces of furniture.

4. Consider the cost of time

If your monthly salary is 10,000, in order to save money and do the decoration yourself, you may need to go to the construction site and the market every day. In two or three months, you have saved 15,000 on the decoration. In fact, you are still losing money. . If you waste your time going back and forth, things may not necessarily turn out well. It will also delay your work and rest, which is actually very uneconomical.

5. Space can be used for two purposes

When it comes to saving, we must not use our brains in terms of materials and craftsmanship. Because that would be more costly than gain. We can plan more functions through reasonable space design and save money through this channel.

When applying for a commercial loan, it is important to confirm the repayment amount and repayment method. This determines the change in the later repayment amount. Of course, no matter which repayment method you choose, when applying for a business loan, it is important to choose the plan that suits you best.