What if I buy a house but have no money to decorate it? Some people choose to borrow money from relatives and friends, while others choose decoration loans. Today I will tell you how to apply for a decoration loan. Under normal circumstances, renovation loans can be applied through banks and provident funds.

(A) bank decoration loans

Bank decoration loan processing flow

1. The customer applies to the bank, fills in the written application form and submits relevant materials at the same time;

2. After the application materials submitted by the borrower are reviewed and approved by the bank, the bank will notify the borrower to sign a loan contract at the bank outlet;

3. After all the formalities are completed, the bank will issue loans as agreed in the contract;

4. The borrower shall repay the loan on time as agreed in the contract.

Information needed for bank decoration loan

1, ID cards of myself and the property owner;

2. Property right certificate of the house to be renovated;

3 proof of the relationship between the applicant and the owner of the house;

4. The salary income of the applicant is mobile;

5. Completed decoration loan application form.

(2) Provident fund reform loan

Provident fund renovation loan process

1. The applicant submits the application materials to the provident fund center;

2. The Provident Fund Center conducts preliminary examination and review of the applicant's information;

3. After passing the examination and approval, sign a loan and mortgage contract;

4. The bank rechecks relevant information and registers collateral;

5. The loan is paid to the applicant's account.

Information required for provident fund renovation loan

1. Identification certificate of the applicant and spouse (ID card, household registration book, marriage certificate or divorce certificate and other documents that can prove the identity of the borrower and spouse);

2. Proof of stable economic income (bank salary and other income certificates);

3, housing provident fund deposit certificate;

4. I and my spouse * * * fill in the loan application approval form;

The above details the information needed to apply for a decoration loan and how to apply. Generally speaking, the provident fund renovation loan interest rate is low and should be the first choice. Friends who need decoration loans can also go shopping, which will bring users more accurate and simple loan application services, and users can easily make decoration loans according to their own situation, needs and preferences.