Marriage is a major event in life, because marriage also involves a series of "money-burning activities" such as buying a house, decorating, wedding banquet and honeymoon. However, flexible loans can help you lighten the burden. For example, decoration after buying a house is a big expense, so you can consider applying for a decoration loan in Changsha. Here, I would like to summarize some practical skills and experience of Changsha decoration loan for everyone, hoping to give some help to friends with similar situations.

First, provide renovation contract or agreement.

In order to ensure that the loan funds obtained by borrowers in Changsha are earmarked, banks will require borrowers to provide renovation contract or agreement when applying for loans in Changsha.

Second, maintain good repayment habits.

After the borrower obtains the loan in Changsha, he must remember the repayment time, and at the same time repay the loan in full and on time in each period to prevent bad records from appearing in the credit report.

Third, prepare the application materials in advance.

Before applying for a loan in Changsha, you need to prepare the materials in advance, which will not only save time, but also get the loan relatively quickly.

When Changsha lenders apply for renovation loans in Changsha, they shall generally provide the following materials:

1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed 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. The real estate license of Changsha real estate mortgage (required by Changsha 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.

Fourth, choose the appropriate loan method.

In addition to Changsha housing mortgage loan and Changsha credit loan, credit card home improvement installment can also be used as an option for borrowers. Each loan method has its advantages and disadvantages, which are different, so the borrower still needs to make a comprehensive choice according to his actual situation.