Take the Agricultural Bank of China as an example.

Requirements for applying for decoration loan:

1, and has successfully applied for housing mortgage loan in Agricultural Bank of China;

2. Have a stable source of income, and the main loan targets are wage earners;

3. The application score must meet the admission criteria.

4. The borrower has legal identity documents, including second-generation identity cards or valid identity documents, and has a fixed residence and address in the loan bank;

5, good reputation, law-abiding, stable and legitimate economic income, with the ability to repay the loan principal and interest on schedule;

6. The guarantee provided by the borrower must be recognized by ABC or the borrower's credit qualification must be recognized by ABC;

7. Contracts for home decoration projects signed with decoration enterprises, or contracts for the purchase of home decoration materials signed with decoration material suppliers, contracts for the purchase of kitchen and bathroom equipment, or the provision of home decoration budgets.

The application materials generally include: (1) application for house decoration; (2) Borrower's ID card, household registration book, marriage certificate, bank account, labor contract, etc. ; (3) The family decoration project contract, family decoration budget, self-made decoration scheme or decoration related materials signed with the decoration construction unit; (4) Relevant materials of loan guarantee.

Finally, the process of applying for decoration loan mainly includes:

1. The borrower applies for a personal loan at the loan bank, submits the application materials, and the bank calls the borrower after receiving the materials. At this point, the borrower can consult the required information or other related contents in detail.

2. The borrower brings information to the bank to submit an application, and the bank staff will verify the information submitted by the borrower. If all are true, pass and continue to the next step.

3. After the approval of the bank, notify the borrower to go to the bank to sign the contract and go through the mortgage registration formalities, and then sign the contract.

4. Bank loans.