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.

After meeting the above conditions, how to apply for a decoration loan, and what are its channels and processes?

1. When the borrower applies for a loan for housing renovation, he must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures;

2. Sign a loan contract after investigation and approval by the account manager and approval by the competent examination and approval department;

3. The account manager handles the loan procedures, transfers the money to the borrower's personal settlement account in the bank, and allows the customer to use the loan funds;

4. The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment;

5. After the loan is settled, the bank terminates the creditor-debtor relationship with the customer and goes through the relevant formalities.