1,/kloc-a natural person with full civil capacity between 0/8 and 60 years old. Provide valid identification documents.

2. Have a stable source of income. Being able to repay on time is, in principle, for wage earners.

3. The Agricultural Bank has successfully handled it for the borrower. Mortgage loans are issued because borrowers have to apply for "housing improvement loans" from the same lending bank.

4. The borrower's application for scoring must conform to the scoring access standard specified in the Personal Consumption Loan Application Scorecard.

5. Meet the requirements of China Agricultural Bank for renovation loans.

6. The decoration loan conditions of Agricultural Bank are roughly the same as above. In addition, the applicant also needs to prepare these materials: ID card, household registration book (married people also need to prepare marriage certificate and spouse ID card and household registration book), as well as previously signed mortgage contract, real estate license and personal income certificate, such as bank running water. And apply for a decoration loan at the counter of China Agricultural Bank. The staff will quickly review the materials and provide guidance in all aspects.

2. What conditions should the decoration loan of Agricultural Bank meet?

1,/kloc-a natural person with full civil capacity between 0/8 and 60 years old. Provide valid identification documents.

2. Have a stable source of income. Being able to repay on time is, in principle, for wage earners.

3. The Agricultural Bank has successfully handled it for the borrower. Mortgage loans are issued because borrowers have to apply for "housing improvement loans" from the same lending bank.

4. The borrower's application for scoring must conform to the scoring access standard specified in the Personal Consumption Loan Application Scorecard.

5. Meet the requirements of China Agricultural Bank for renovation loans.

6. The decoration loan conditions of Agricultural Bank are roughly the same as above. In addition, the applicant also needs to prepare these materials: ID card, household registration book (married people also need to prepare marriage certificate and spouse ID card and household registration book), as well as previously signed mortgage contract, real estate license and personal income certificate, such as bank running water. And apply for a decoration loan at the counter of China Agricultural Bank. The staff will quickly review the materials and provide guidance in all aspects.

3. How to apply for a home improvement loan from Agricultural Bank of China?

To apply for "home improvement loan", the borrower shall meet the following conditions in addition to the basic conditions of the consumer business applicant in the Measures for the Administration of Personal Credit Business of Agricultural Bank of China:

(1) The loan bank has successfully handled and issued the housing mortgage loan for the borrower, and the borrower should apply for a "home improvement loan" from the same loan bank.

(two) the borrower's application score must meet the scoring access standards stipulated in the "personal consumption loan application score card".

(three) the borrower has a stable source of income, in principle for the working class.

The borrower applies for "home improvement loan" from Agricultural Bank of China, fills in the Application Form for Personal Credit Business of Agricultural Bank of China, and provides the following materials:

(1) Identity documents of the borrower and its spouse.

(2) Proof of the marital status of the borrower.

(3) Proof of repayment ability.

(4) Information required for loan application scoring.

(five) the purchase of housing mortgage loans "individual purchase guarantee loan contract" and loan vouchers.

(6) the purpose or statement of the loan.

(seven) other information required by the Agricultural Bank.

If the application date of "home improvement loan" is less than 12 months from the mortgage loan issuance date of the purchased house, other materials can be appropriately reduced except the use certificate and identity certificate on the premise that the basic situation of the borrower has not changed significantly.

4. Can the Agricultural Bank apply for a decoration loan after paying off the mortgage for 3 months?

The Agricultural Bank of China has repaid the mortgage for 3 months and can apply for a decoration loan.

First, the Agricultural Bank decoration loan application conditions are:

1. The borrower is between 25 and 60 years old and has full capacity for civil conduct;

2. The borrower has a legal and stable income source and repayment ability;

3. The borrower's credit information is good.

4. Open a current deposit account or a Jinsui card account in a bank and deposit the customs fees required for handling the loan;

Two. China Agricultural Bank updates loan application materials:

The materials required to apply for the decoration loan of ABC include the applicant's identity certificate, marriage certificate (unmarried certificate is required), income certificate, work certificate and bank account. If the applicant takes the collateral as collateral, it is also necessary to provide relevant certificates of the collateral.

Three, China Agricultural Bank renovation loan amount.

The starting point of personal durable consumer goods loan is 3000 yuan (inclusive). If the collateral is secured by mortgage, the value of the collateral shall be assessed in accordance with the relevant provisions of the Construction Bank, and the loan amount shall not exceed 70% of the assessed value of the collateral; In case of pledge, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If credit or third-party guarantee is adopted (the guarantor is a natural person or legal person), the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan.