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Second, can I borrow money to decorate? What are the decoration discounts in Haikou? . .
Home improvement loan, also known as decoration loan, refers to personal credit loan for the purpose of bank house decoration, that is, unsecured credit loan. The personal housing renovation loan issued by the bank is RMB, and does not exceed 50% of the total cost of the renovation project. At present, there are two kinds of home improvement loans, as follows: 1. Apply for personal credit loan to pay decoration loan. here
The shortest half a year, the longest five years (including five years).
Mortgage loan, that is, consumer loan with real estate as collateral and application. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
Application conditions
Identification of 1 ;
2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity.
3. Loan certificate, bank statement, tax bill, etc.
4. Information such as purchase invoices of newly purchased houses (or ownership certificates should be provided if the original houses are renovated again);
5. Cooperation
Application material
The Lender applies for installing the following materials:
1, valid ID card, permanent residence certificate issued by neighborhood committee, to prove your identity.
2. Proof of occupation and stable work for more than six months issued by the unit (or cash flow statement) 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 installation contract, purchase of decoration materials and other materials to prove the purpose of the loan;
6. Whether the business license and qualified suppliers of the decoration enterprise are within the prescribed scope;
7. Other conditions required by banks or financial institutions.
3. What financial industries can Hainan do?
Hainan has policies and can be a loan finance company because it needs a lot of turnover to focus on developing many domestic and foreign enterprises to set up companies in Hainan, so it is more rational to choose to be a loan finance company.
Fourth, Hainan's more cost-effective credit products.
No Minsheng Bank Haikou Branch takes micro-financial services as its own responsibility, constantly increasing service support for small and micro enterprises and actively expanding new business models.