1, reaching the age limit.
The borrower must be at least eighteen years old and have full capacity for civil conduct.
2. Provide valid identification.
Just provide the second-generation ID card (temporary id card will do).
3. Have a valid local resident status.
You can provide a local household registration book or temporary residence permit.
4. Good credit.
There must be no bad credit records or serious negative information in the personal credit report.
5. Have the ability to repay on time.
The borrower has a legitimate occupation and a stable income, and can provide sufficient information on economic income (such as bank running water and local certificates of deposit).
6. The debt ratio is not high
If there are many outstanding loans in the name, or a number of other loans are applied at the same time when applying for decoration loans, it will inevitably affect the loan approval, and banks will also worry about the instability of economic life.
7. Clear property rights of houses
The renovated house has obtained the house ownership certificate issued by the local housing management department.
8. The application materials are accurate and perfect.
The materials to be prepared mainly include personal identity card, local household registration book or temporary residence permit, house ownership certificate, proof of economic income (such as bank running water and large deposit certificate), decoration project contract signed with decoration enterprises, purchase of decoration materials and other materials.
9. The application amount does not exceed the limit.
The amount of decoration loan applied for cannot exceed the actual decoration cost.
10. Other conditions that meet the requirements of the lending bank.
For example, to provide a guarantee, it must be a compensated collateral recognized by a bank or unit or individual.
Customers who meet the above conditions can apply for decoration loans according to the following procedures:
Step 1: Apply
Prepare relevant materials, apply for a loan at the selected bank outlets, take the application form at the counter and fill it out. After filling in and confirming that the information is correct, submit it to the staff together with the information.
Step 2: loan review
After acceptance, the bank will review the information submitted by the customer, and at the same time, it will inquire about the customer's credit report to understand its credit status, and then give a decision on whether to approve or not to approve the loan (if approved, it will verify the loan amount), and notify the customer in time.
Step 3: Sign the contract.
After receiving the approval message from the bank, sign a loan contract at the bank outlet within the agreed time (if there is a guarantee, a guarantee contract is also needed).
The fourth step, bank lending.
The general bank will distribute the loan funds to the bank card under the customer's name within one month, and then transfer it to the decoration enterprise.
Two, provident fund renovation loan amount and procedures and conditions.
China is a big country with strong demand for real estate. Many people will spend a lot of money to buy the house they need when buying real estate. However, there will be a shortage of funds when the house is renovated. If this happens, we can apply for provident fund. Then, how much can the provident fund decoration loan borrow? What are the decoration loan procedures? What are the terms of the decoration loan?
1. How much can I borrow from the provident fund renovation loan? How much can I borrow from the provident fund renovation loan? It is calculated according to the following three boundaries, and then takes the smaller value.
1. How much can I borrow from the provident fund renovation loan? The amount of high-value loans shall not exceed 1 10,000 yuan and10.5 million yuan per square meter.
2. How much can I borrow from the provident fund renovation loan? The loan amount is determined according to the ability to pay the loan. The calculation formula is: loan amount = 65% × total loan amount (the basic salary of the shell borrower of the spouse provident fund is contributed by the basic salary of the provident fund subject).
3. The loan amount shall not exceed 60% of the guaranteed value.
Ii. Loan procedure for renovation of provident fund: 1, loan application. The borrower's spouse and wife will request the two-way housing forecast fund management center. It will be accepted after the audit.
2. Loan review (investigation). The fund management center reviews the housing, obtains the borrower's loan related information, and informs the examination and approval.
3. approve the loan. The housing management center approves eligible loans.
4. Sign the contract. Once the loan is approved, the management center housing informs the borrower to sign the loan contract trustee.
5. mortgage loan. Go to the house of the real estate management department to go through the mortgage formalities according to law.
6. Issue loans. The borrower must keep the loan contract and other relevant materials to the center for transfer and loan procedures. The entrusted bank transfers the loan funds into the account opened by the borrower in the entrusted bank according to the agreement in the Loan Contract.
Three. Decoration loan terms: 1. The applicant must pay the housing provident fund in full, normally and continuously for more than 6 months, and the decoration behavior takes place within 5 years from the date of loan application.
2. If the applicant has updated, the application must provide personal decoration and website investigation report after decoration, and personal computer room decoration and decoration report.
3. The total extension period of real estate mortgage loans shall not exceed 30 years.
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2. Proof of professional and personal income issued by the unit, proof of stable work for more than six months in a row (or proof of personal repayment ability);
3. Real estate certificate of real estate mortgage (required for mortgage loan);
4. Confirm the bank deposit statement and water and electricity tax bill to confirm their credit quality;
5. The decoration project contract signed with the decoration enterprise, the purchase certificate of decoration materials and other materials, and confirm the purpose of the loan;
6. A copy of the business license and qualification certificate of the decoration enterprise to confirm whether the partner is within the prescribed scope;
7. Other conditions required by banks or financial institutions.
Hope to adopt, thank you!
4. How much can I borrow for housing provident fund loan decoration? Introduction of application conditions
Not only can you get loans for buying a house, but you can also get loans for investment. You can also find reliable banks and lending institutions to make decoration loans similar to those mentioned below. So let's popularize the recommended loan amount and some precautions today. Interested friends can come in handy to maximize the value and shorten the waiting time in the decoration loan application process.
1. How much can I borrow for housing provident fund loan renovation?
Provident fund decoration loan is the use of provident fund loans for housing decoration. The maximum loan amount of provident fund loan interest rate is generally not more than 200,000 yuan, and the loan amount is determined by the proportion that the repayment amount of the center does not exceed 50% of the family income (but the repayment ability is strong and the conditions can be appropriately relaxed).
Two, provident fund renovation loan application conditions:
(1) Shenshi Housing Provident Fund;
(2) Have a permanent residence in this city or a blue-printed residence (non-agricultural);
(3) Having a stable economic income and the ability to repay the loan principal and interest;
(4) The borrower must be a big one (sign a project with a regular decoration company for implementation.
(5) the loan application is calculated according to the blood relatives as the housing reserve and the reserve loan amount.
(6) Collateral is the owner-occupied house that the borrower has made major personal (installation) repairs and has complete personal property rights.
When applying for a loan, the borrower shall prepare the following materials:
1, proof of identity of the borrower and spouse (ID card, household registration judgment, ruling, unmarried or divorced certificate issued by the unit, etc. );
2. Proof of stable economic income (proof of unit wage income, etc.). );
3, housing provident fund deposit certificate;
4, signed with the housing unit to provide land, planning department approval);
5. I and my spouse * * * fill in the loan application approval form;
% of the house payment (down payment) receipt (a receipt of not less than 3% of the total house payment must be issued for the repair of self-occupied houses);
7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee). Fourth, housing enterprises
The loan period of individual housing provident fund is 1 to 20 years. But in principle, it shall not exceed the period from the date of loan issuance to the national statutory retirement age (60 years old for men and 55 years old for women).
The calculation formula is: loan term ≤ statutory retirement age of the borrower-current age of the borrower (one year old).
The preferential interest rate of individual housing reserve is lower than the bank mortgage interest rate 1 percentage point: the monthly interest rate is 3.0‰, the annual loan interest rate is 3.375‰, and the annual interest rate is 4.05%. In case of legal interest rate adjustment, the corresponding interest rate grade at the beginning of next year will be implemented.
No more than 200,000 yuan each. If the loan exceeds 200,000 yuan, the monthly repayment amount of the borrower shall not exceed his family (but the conditions may be appropriately relaxed if the repayment ability is strong).
You can also apply for a loan through repairs, but there are many unexpected places, including the materials I prepared, the processes and methods that need attention. They comprehensively determine whether the follow-up effect is satisfactory. Further, it can be known that, generally speaking, the interest rate of decoration loans also depends on the banks' own regulations and literature research.