Decoration loan procedures mainly include ID card, real estate license or house purchase contract, deed tax invoice, personal loan contract, and effective credit record of the lender (there can be no record of breach of contract for six consecutive periods). The lender signs a loan contract with the loan bank, and after the bank personnel verify it on site, the applicant applies for credit card and debit card, installs app, and the bank approves the loan.

Second, what information do you need to apply for a decoration loan?

It is understood that most financial institutions can handle decoration loans at present, but due to different regions, of course, their regulations will be different. Then, do you know what information you need to apply for a decoration loan? Don't worry, I'll give you a brief introduction to this problem.

What information do I need to apply for a decoration loan?

1. The borrower is required to show personal identification and residence certificate, and if married, a marriage certificate is required;

2. The borrower's income certificate, bank statement and personal credit report;

3. The relevant contract of house decoration and the business license of the decoration company;

4. When the borrower applies for a decoration loan by using a real estate mortgage loan, it also needs to show the property right certificate of the mortgaged real estate and the certificate of loan use;

5. Other information required by the bank.

Decoration loan application conditions

(a) with permanent residence in cities and towns or valid residence status;

(2) There is proof that the borrower has the right to use the house; If the renovated house is yours, you must show your real estate license; If it is a house belonging to the unit, it is also necessary for the unit to issue a certificate of the right to use;

(three) a stable source of occupation and economy, good credit, and the ability to repay loans on time.

Applicable object of decoration loan

/kloc-China citizens aged 0/8 to 60 with full capacity for civil conduct.

Main features:

Loan amount: comprehensively approved according to the lender's repayment ability, guarantee status and capital demand.

Loan term: The loan term can be up to 8 years.

Loan interest rate: It fluctuates on the basis of the loan interest rate stipulated by the People's Bank of China.

Processing speed: loan approval is generally completed within 1 to 3 working days.

Handling fee: the bank does not charge fees during the loan processing.

There are various ways to guarantee: generally, mortgage, pledge and guarantee can be used.

Editor's summary: after reading the above introduction, I believe that everyone has a further understanding of what information is needed for handling decoration loans. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.

3. What are the procedures for Qinhuangdao decoration loan?

Decoration loans vary from place to place, and also need to be based on different banks and different policies. Please consult the bank for details.

4. What are the procedures for the renovation loan?

Decoration loan application materials:

1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;

2, the occupation and personal income certificate issued by the unit, more than half a year of stable work certificate (or provide me)

Pay bills in recent months), to prove their repayment ability;

3. Real estate certificate of real estate mortgage (required for mortgage loan);

4. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;

5. The decoration project contract signed with the decoration enterprise, the purchase of decoration materials and other materials prove the purpose of the loan.

Mode;

6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;

7. Other conditions required by banks or financial institutions.