In general, the lender shall provide the following information to the bank when applying for renovation loans:

1, valid identity information, permanent residence certificate issued by the neighborhood Committee, which proves its identity and permanent residence;

2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its 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 order of decoration materials and other materials that prove the purpose of the loan;

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.

There are no unnecessary requirements and unknown application materials for applying for bank home improvement loans in Uvogin. Owners only need to prepare the following four parts of materials to apply for renovation loans:

1, identity information, hukou book, marriage certificate

2. Property certificate of the house to be renovated (mortgage house needs to provide a repayment list of loan contract separately)

3, proof of economic repayment ability (social security for more than one year in a row, bank flow in the past year)

4. renovation contract, decoration budget, tripartite agreement.

George W. Uvogin advocates the decoration of real people's houses. One-on-one account managers assist customers to collect the materials needed for loans completely, and obtain loans at one time through examination and approval, so that owners can decorate their dream nests as soon as possible.

2. What are the credit loan processes for house decoration?

If you have applied for housing mortgage loan in China Merchants Bank, please contact the handling bank to apply for exclusive decoration loan for supporting house purchase; If you have your own property mortgage, you can also apply for a decoration consumer loan. Please confirm whether this business is carried out in your city and the application conditions.

3. What conditions do you need to apply for a family housing decoration loan?

Some families don't have much money on hand after buying a house, and they will choose to borrow money for decoration. Then, what conditions do you need to apply for a family housing decoration loan? It basically includes repayment ability, property right certificate and renovation contract.

First, the repayment ability of family housing decoration loans must first have a certain repayment ability. Generally speaking, banks will comprehensively evaluate the risks of each loan. The evaluation content is to judge whether the borrower has the ability to repay the loan. If so, the bank will lend money to customers. If not, the bank will not take the risk of borrowing money. The contents of the assessment include whether the borrower's age is appropriate, whether he is healthy, whether his job is stable, whether he is guaranteed by a guarantor, and so on.

Second, proof of property rights, the conditions for handling family housing decoration loans are followed by legal proof of property rights. Because the purpose of the loan is to decorate the house, the bank will verify the property right of the house to be decorated, and the borrower needs to submit relevant certification materials to prove the ownership of the house to be decorated. According to the submitted materials, the bank will go to the housing and construction department for verification. If there is a record, the bank will lend money to the customer. If there is no record, the bank will generally refuse the loan and ask the owner to apply for a loan.

Three, renovation contract family housing renovation loan conditions finally is to have a formal renovation contract. If the borrower chooses a private decoration team and does not sign a formal contract, the bank may refuse the loan application. Because after reviewing the borrower's repayment ability and property right certificate, the bank will also review the renovation contract signed by the borrower and the decoration company. The loan issued by the bank requires that the borrower can only be used for decoration, so it is best to sign a formal contract with a formal decoration company.

Considering that not every bank has decoration loan business and the requirements may be different, it is recommended to go to the bank for consultation in advance.

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