The decoration loan needs to prepare the information needed for the loan, and the specific information is as follows:
1, real estate license or purchase contract. (The house purchase contract is also valid if you don't get the real estate license)
2. Identity cards, marriage certificates and household registration books of both husband and wife. (Unmarried requires the unmarried certificate of the Civil Affairs Bureau)
3. Deed tax invoice. (You need to pay deed tax to buy a house, and the receipt after paying deed tax)
4. proof of income. (It must be a local civil servant or an employee of a unit or enterprise enjoying financial salary, and the official seal of the unit is valid. If you can't meet Article 4, you can choose Article 5, or both. )
5. Bank running bill. (The bank current account totals at least 500,000 a year. If article 5 cannot be met, article 4 must also be met. )
6. Decoration company renovation contract. (The bank needs to appoint a cooperative decoration company, renovation contract, because the bank has already reviewed the hardware conditions and qualifications of the decoration company).
After the decoration loan information of the bank is ready, it is necessary to copy these information (the original income certificate is required) and submit it to the bank for review. The bank will conduct investigation and verification within a few working days after receiving the information. After the lender cooperates with the bank to check and sign, it can complete the decoration loan business and get the decoration loan.
Second, can the decoration company borrow money to decorate?
Yes, but we can't get the provident fund loan now! You can only make commercial loans, and the interest rate is a bit high ~ ~ The famous one is China Construction Bank ~
3. Can the decoration company handle the decoration loan?
Yes, I just bought a house and didn't have much money. A friend introduced me: Xi An Zhongting Decoration Company, which applied for a decoration loan. No contract. It's okay to waste time running to the bank. I hope I can help people in need.
4. Can I get a loan to decorate the house without a loan?
You can't apply for a house decoration loan without paying the house. To apply for a house decoration loan, you need to provide a renovation contract signed with the decoration company, and the house has not yet signed a contract with the decoration company.
Some banks can provide housing renovation loans to their mortgage customers without providing new mortgage guarantees. For new and old customers who apply for housing mortgage and can provide renovation contract or agreement, the maximum loan amount is 80% of the total price in renovation contract.
The renovation loan amount is also related to the value of the mortgaged house and the remaining mortgage loan. It is usually required that the house decoration loan plus the remaining mortgage loan cannot exceed 80% of the house value.
Decoration loans can also be applied to banks or Beijing loan companies, which usually require good credit and stable work and income in Beijing.
For mortgage owners who have paid their loans normally for more than one year, they can also apply for unsecured monthly payments. This Beijing loan product does not need a real estate license, nor does it need complicated information and procedures such as bank flow.
Various forms of housing renovation loans not only meet the needs of customers, but also greatly promote the development of personal loan business of banks.