1, permanent residence or valid residence status in this city;
2. Stable income, honesty and trustworthiness;
3. Open a Huangshan card savings account in the bank;
4. The renovated house is a self-occupied house;
5. Guarantee the loan with the house to be renovated;
6. Other conditions stipulated by the bank.
Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project.
Extended data:
Lenders applying for renovation loans generally need to provide the following materials to the bank:
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. 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.
Wechat Banking-Personal Housing Decoration Loan
Baidu encyclopedia-decoration loan