I. Details of renovation loan 1. The loan object is a natural person with full capacity for civil conduct, good credit standing, a fixed residence in the local area, a legitimate occupation, a stable source of income and the ability to repay the principal and interest of the loan. 2. The loan amount shall not be higher than per square meter 1200 yuan in principle. 3. Loan Term The longest loan term shall not exceed 5 years. Second, decoration loan materials 1, personal decoration loan application form. 2. The identity certificate of the borrower (resident ID card, passport, household registration book, etc.). ) .3. Property certificate of the house to be renovated. 4. Housing renovation contract or decoration scheme and decoration shopping list. 5 proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). ) .6. Certificate of ownership of loan mortgage guarantee, certificate of consent of mortgagee or certificate of third party guarantee. 7. Other supporting documents or materials required by the lender. Iii. decoration loan processing 1. The borrower who applies for a loan shall fill in the application form at the loan handling outlet with the above application materials. 2. Loan Approval Bank of Communications investigates the borrower's guarantee and credit. , according to the procedures for examination and approval, and notify the borrower of the examination and approval results. 3. After the borrower's loan signing application is approved, the Bank of Communications signs an individual loan contract or corresponding guarantee contract with the borrower, and goes through the formalities of notarization, insurance and mortgage (pledge) registration. 4. Loan Issuance The Bank of Communications will issue the loan after the borrower completes the relevant procedures and is confirmed by examination.

2. What is the loan amount for house decoration of Bank of Communications?

You can learn about Ping An, Beijing, Huaxia and other banks. There will be small loans that are more convenient to use and the interest rate is not high.

3. What is the lending speed of Bank of Communications 202 1?

At present, the Bank of Communications in first-and second-tier cities in China has slowed down the pace of mortgage lending, especially in the first-tier cities of Beijing, Guangzhou and Shenzhen.

1. mortgage: it usually takes about 1 month for the lender to get the approval result after applying for a mortgage in Bank of Communications, and it usually takes about 1-2 months for the lender to lend. If there is no problem, you can wait until 3 months at the latest; However, if the bank's quota is insufficient or affected by other policies, the lending time is not fixed.

2. Other loans: If the lender applies for other loans from Bank of Communications, such as car loans, decoration loans, personal consumption loans, etc. It is very likely that the loan will be released at normal time, and the loan will be released within 15-30 working days after the loan application is approved.

3. Provident fund loans: The waiting time for provident fund loans may be longer, because the approval time for provident fund loans is longer, more materials need to be checked, and the approval process is stricter. It is normal to wait about half a year.

4. How to apply for the decoration loan of Bank of Communications?

Applying for a decoration loan in Bank of Communications is mainly the following process:

1. The lender shall prepare ID card, household registration book, personal credit report, bank account, renovation contract or decoration price list, real estate license or purchase contract and other materials required by the bank.

2. Apply and fill in the application form.

3. The bank accepts and investigates and verifies the basic information of the borrower. If approved, the loan amount will be determined.

4. The staff will inform the applicant of the approval result, and both parties will sign a loan contract.

5. Lend money after a certain working day.