Basically all banks can handle it. However, the following loan requirements need to be met: 1. First of all, the application conditions, the borrower must meet the application conditions to apply for decoration loan products. Mainly includes: the borrower's age is between 18 and 55; There is a local commercial house in the name of the borrower, the age of the house is not more than 15, and the area is more than 50 square meters; This decoration loan can only be applied for in the case of local commercial housing loans, but the loan requirements are not immutable, so when choosing loan products, we should first consult the requirements of lending institutions. 2. Second, the loan information. Generally speaking, the decoration loan information mainly includes: the original (copy) of the borrower's ID card; Real estate license/mortgage contract; Details of social security contributions for nearly 6 consecutive months; This bank has been operating continuously for nearly six months. If there are some other materials, you should also prepare them completely, such as work certificate and income certificate. Loan application process: 1). The borrower applies for a personal loan at the loan bank, submits the application materials, and the bank calls the borrower after receiving the materials. At this point, the borrower can consult the required information or other related contents in detail. 2) The borrower brings information to the bank to submit an application, and the bank staff will verify the information submitted by the borrower, if any. 3) After the approval of the bank, notify the borrower to sign a contract with the bank and go through the mortgage registration formalities. If there is no mortgage, you can sign the contract directly. 4) The bank issues loans and the borrower repays them in full and on time. Data expansion decoration loan, also known as home improvement loan, refers to the personal credit loan launched by banks or consumer finance companies for the purpose of family housing decoration. 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. At present, there are two kinds of home improvement loans and a credit card installment form, as follows: 1. Apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
Second, what are the conditions for the decoration company to cooperate with the bank to handle the decoration loan?
1, decoration loan application conditions:
(1) has local permanent residence and legal and valid identification;
(2) Having a proper occupation and stable income, and being able to repay the loan principal and interest at maturity.
(3) The borrower can provide relevant asset certificates, bank statements, tax receipts, etc.
(4) For newly purchased houses, provide materials such as house sales contracts and purchase invoices (or original documents of proof);
(5) Cooperation institutions
2. According to the information released by China Consumers Association, in the first half of 20 18, the loss of consumers' property caused by "running away" of internet decoration companies has become the top ten of 18. Consumer finance itself is good, but if it directly harms the interests of consumers.
Extended data:
Hainan Branch of Postal Savings should do a good job in consumer finance and guard against risks. In order to do a good job in consumer finance, banks need to prevent and control illegal cases from the aspects of system and personnel, and further improve the management mechanism of transaction authenticity verification and accountability. Meanwhile, there are financial risks.
In order to effectively resolve the risk of "decoration loan", banks should strengthen the control of the amount and use of decoration loans to ensure that the loan amount, the credit status of decoration owners and the actual demand for decoration will not change. At the same time, the financial supervision department should also pay close attention to the phenomenon of "decoration loan" similar to the Internet decoration platform, and adopt a differentiated approach to encourage innovation.