First, choose the institution that suits you. In addition to the renovation loans that banks can handle, many small loan companies can also handle them. If a friend with poor qualifications can't get a loan from the bank, you can try to apply for a small loan company.

Second, apply. After selecting a loan institution, you need to prepare relevant materials and apply for a loan. Materials that often need to be prepared include personal valid identity documents, family renovation contract, income certificates, work certificates, real estate licenses or house sales contracts, house purchase contracts, and so on.

Third, wait for the lending institution to review the loan. After we submit the relevant information, the lending institution will verify whether our information is consistent with the facts and evaluate our qualifications. If we provide collateral, we will also evaluate our collateral. After the approval, they will contact us, sign a loan contract and issue loans.