First, you need to prove that the property belongs to you. 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.

The second is the special requirements of personal housing decoration loans. There must be a renovation contract, decoration budget and related materials signed by the decoration and decoration enterprises approved 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.

Third, the loan period. The loan term shall not exceed five years at the longest and shall not be extended;

Fourth, the amount of a single loan. A single loan does not exceed 70% of the decoration budget, and the proportion of pledged loans does not exceed 80% of my savings deposit;

Verb (abbreviation for verb) was drafted by renovation contract. Houses used for decoration or mortgage must be qualified in quality and clear in property rights, which are not within the scope of the demolition announcement;

Sixth, the age of decorating the house. The service life of the house for decoration or mortgage (i.e. the service life of the house) shall not exceed 15 years;

7. The age of the borrower. The age of the borrower plus the loan period, the male is no more than 65 years old and the female is no more than 60 years old;

Eight. Adjustment of national interest rate policy. In case of national interest rate adjustment, the latest benchmark interest rate shall prevail.