Individuals can make decoration loans, and it is recommended to choose Mo Long. Mo Long Platform mainly deals with corporate tax bill loans, mortgage loans, non-car loans and other loan projects, with good reputation and trustworthiness! The application conditions for the decoration loan are as follows:
1, first of all, we must meet the urban permanent residence and valid resident status.
2. To apply for a decoration loan, you must have a property right certificate and a certificate issued by the property right unit that the borrower has the right to use the house; If the property right of the renovated house is your own, you must have a property right certificate. If it is a unit house, you need to have proof of the right to use the unit.
3. The person applying for decoration loan must have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan on schedule.
If you want to know more about the decoration loan, please consult Morlon. With its strong financial technology research and development capabilities, Molong can now complete all the operations of the epidemic through Molong's loan. During the epidemic, Moerlong will make full use of scientific and technological capabilities to minimize risks and improve efficiency to the fastest. In addition, Moerlong promises that the electronic agreement signed by customers online will be encrypted and protected by law; All products come from licensed financial institutions, and the fees are reasonable and transparent; The platform provides a compliant margin model to speed up the loan approval of financial institutions.
How to borrow a personal decoration loan?
In today's society, buying a house has become almost everyone's demand. I finally saved enough money to buy a suite, and after buying a house, I found that I had almost no savings. What about the decoration of the house? Don't worry, the decoration loan will help you. Next, China Travel. Bian Xiao introduces three ways to apply for personal housing renovation loans, which you can choose according to your actual situation. Application method of personal housing decoration loan 1: After buying a house with bank consumption loan, the buyer can apply for personal housing decoration loan from the bank with the newly purchased house. The loan amount is capped at 7% of the mortgaged property valuation, and the lender needs to provide specific renovation contract and budget. Personal housing renovation loan application method 2: In addition to mortgage loans, property buyers can also try. You can also borrow money for decoration without mortgage guarantee. Cash loans and happiness loans promoted by foreign banks such as Standard Chartered and Citigroup are unsecured loans, which can be handled only by providing corresponding income certificates and other documents, and can be used for decoration, car purchase and tourism. , the maximum loan is 500,000. Personal housing renovation loan application method 3: use the excess mortgage credit line. After repaying part of the loan, the buyer uses the excess credit line. If the total mortgage loan for house purchase is 500,000, after a certain repayment period, 300,000 loans need to be repaid, and an additional credit line of 200,000 can be used. With this amount of 200,000, you can apply for a decoration loan from the bank. After buying a house, it is natural to decorate it well. By applying for a house decoration loan,
Do I need to provide renovation contract for decoration loan application/consumer loan?
The information and conditions required for bank decoration loans are usually as follows:
1. The borrower has a local permanent residence and legal and valid identification.
2. The borrower has legal and stable income in the local area.
3. Can provide effective personal assets confirmation, bank statements, tax bills and other information to the lending institution.
4. Provide effective purchase confirmation and house sales contract for the renovated house.
5. Meet other conditions stipulated by the bank.
Personal credit is good and meets the above conditions, so it is not a problem to apply for a decoration loan.
Operation process:
(1) The owner must first determine the decoration company: it must be a decoration company within the scope specified by Bank of Ningbo.
(2) After the owner and the decoration company sign the construction contract, contact the website and sign an agreement with the bank (owner, bank, website, decoration company) and fill in the credit card application form! (Cardless users)
1. Decoration company: construction contract and official seal.
2. Owner: original and photocopy of real estate license, original and photocopy of ID card and income certificate (stamped with red seal). If the real estate license is not in my name, you need to bring a valid written proof of the relationship with the owner of the real estate license and a photo of the community to be renovated. (photo of the gate, house number, photo of the house to be decorated)
3. Bank: credit card application form and large installment payment application form.
Construction bank decoration loan
The renovation loan of China Construction Bank refers to the RMB-guaranteed loan issued by China Construction Bank to individual customers for renovating their own houses. Decoration loans can be used to pay for home decoration and maintenance projects, related decoration materials, kitchen and bathroom equipment and other expenses. This paper introduces the object, amount, term, expected annualized interest rate, required information and conditions of the renovation loan of China Construction Bank.
First, the decoration loan object
China Construction Bank's personal housing renovation loan is for natural persons with full civil capacity.
Second, the decoration loan details
1, renovation loan amount
The loan amount is not less than 5,000 yuan (including 5,000 yuan), but not more than 6,543.8 yuan+500,000 yuan (including 6,543.8 yuan+500,000 yuan).
2. Update the loan term
The shortest half a year, the longest not more than 5 years (including 5 years).
3. Expected annualized interest rate of decoration loan.
Calculated according to the expected annualized interest rate of loans for the same period stipulated by the People's Bank of China.
Third, the decoration loan materials
The borrower fills in the Application for Personal Housing Decoration Loan of China Construction Bank and provides the following information:
1, resident identity document
Original and photocopy of identity card, residence booklet, military identity card or other valid identity documents.
2. Personal income certificate
Income certificate, payroll, tax bill issued by the unit, bank deposit certificate that can be used for repayment, etc.
3. Renovation contract
Home decoration project contract signed with decoration enterprises, purchase of home decoration materials contract, purchase of kitchen and bathroom equipment contract, and home decoration budget.
4, decoration enterprise certification documents
Copy of the business license and qualification certificate of the decoration enterprise.
5. Proof of mortgage guarantee
List of mortgaged property, ownership certificate of pledged property and right certificate, and certificate of consent of the authorized person to mortgage and pledge; Collateral must submit proof of ownership or right to use, valuation and insurance documents; The pledge of rights must also provide a certificate of rights; A document in which the guarantor agrees to guarantee.
6. Other materials required by the lending bank.
Fourth, the decoration loan guarantee
The borrower must provide effective guarantee when applying for personal housing renovation loan from China Construction Bank. Guarantee can take the form of mortgage, pledge or guarantee.
1, mortgage
If the borrower mortgages his own property or the property owned by a third party, the Construction Bank shall sign a mortgage contract with the borrower or the third party; Collateral must be evaluated and mortgage registration procedures must be handled.
Step 2 guarantee
If the borrower pledges with his own or a third-party certificate of rights that meets the prescribed conditions, the Construction Bank shall sign a pledge contract with the borrower, and the certificate of rights that can be pledged includes:
1) securities. Including government bonds, financial bonds and AAA corporate bonds.
2) Certificate of savings deposit issued by China Construction Bank.
3) Other assets recognized by CCB.
4) The loan period is not longer than the maturity period of the pledged right.
Step 3 guarantee
If the borrower provides a guarantee by way of guarantee, the guarantee is a joint and several liability guarantee, and the Construction Bank shall sign a guarantee contract with the guarantor. The guarantor must be a legal person, other economic organizations or citizens.
3. Other provisions
Without the consent of the loan bank, the borrower (mortgagor) shall not transfer, lease, sell, donate or remortgage the collateral during the mortgage period. During the mortgage period, the borrower has the responsibility to maintain, maintain and ensure that the collateral is intact, and accept the supervision and inspection of the lender at any time.
Shall I stamp the decoration loan contract?
Yes
You must sign it yourself. In some places, you have a power of attorney notarized by a notary office, or you can entrust others to sign it for you. Loan process:
1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information. (1) Basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan; (3) Rectification of original unreasonable loans; (4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention; 5] Project proposal and feasibility report; (6) Other relevant information deemed necessary by the Bank.
2. Credit rating evaluation. The bank evaluates the borrower's credit rating.
3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
5. sign a contract. The bank signs a loan contract with the borrower.
6. Loan issuance. The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.
8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.
Does the renovation loan need a rental contract?
Decoration loan requires a house purchase contract. It needs to be elaborated and analyzed from the following three aspects.
First of all, decoration loans need to have a house purchase contract, which is a better way to improve the qualifications of lenders.
Secondly, the decoration loan requires the purchase contract to verify that there is real estate under the lender's name, so the loan will be released.
Moreover, the decoration loan provides the purchase contract, so that the loan approval progress will be fast and the loan amount will be high.
Matters needing attention in decoration loan:
1. Need a house purchase contract.
2. The longest term of decoration loan is generally 5 years.
3. The renovation loan amount is generally 20% of the property value.
So much for the introduction of personal decoration loan contract.