What personal credit application form do I need to fill out? How to apply for decoration? Personal credit loans are RMB credit loans issued by other financial institutions to people with good credit without guarantee. Do I need to fill out an application form for personal credit loan at the bank? How to apply for a decoration credit loan?
What should I fill in the personal credit loan application form? First of all, when a borrower applies for a personal credit loan from a bank, it needs to fill in an application form in writing and submit the following materials:
(1) My valid ID.
(2) proof of residential address (household registration book, etc.). ).
(3) Personal professional certificate.
(4) Proof of income of the loan applicant himself and his family members.
(5) Other information required by the bank.
Among them, although the loan application forms of various banks are similar, there are still differences. You can go directly to the bank to apply for a loan application form, fill it out first, write it formally after you are satisfied, and then hand it over to the applying bank. How to apply for a decoration credit loan? Decoration loans are generally obtained in the following ways:
First, housing mortgage loan.
If the borrower owns the mortgage of the house, he can apply for a decoration loan with the house as collateral. The advantage of applying for decoration loan with real estate mortgage is that the interest is not high and the amount is high. The disadvantage is that there must be real estate as collateral, and there are many audit steps to handle, which takes a relatively long time.
Second, personal money.
If the borrower has a stable and legal source of income, he can apply for personal money and use it for decoration. Personal payment approval speed is faster, but the general amount will not be very high.
Third, credit card installment.
If your decoration company cooperates with a bank and you use this bank's credit card, you can use the credit card to get a decoration loan in installments. Credit card installment is convenient and quick, and the approval process is simple. However, if you want to use a credit card for installment, you must have the cooperation between the decoration company and the bank.
In addition, the decoration loan application process generally has the following points:
(1) When a borrower applies for a housing renovation loan, he must apply at the business outlet where he has started business, fill in the application form, submit relevant materials and go through relevant guarantee procedures.
(2) After investigation and approval by the account manager and approval by the competent department of examination and approval, the loan contract is signed.
(3) The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan funds.
What should I fill in the personal credit loan application form? How to apply for a decoration credit loan? The above are some introductions to this problem, hoping to help everyone.
Second, how to write an application for personal decoration loan?
Decoration loan:
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. At present, there are two kinds of home improvement loans and a credit card installment form to apply for.
The details are as follows: 1, apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. The consumer loan here refers to the loan term.
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.
3. Can I apply for housing provident fund loans for credit loans?
If the credit loan is not repaid, you can make a provident fund loan.
Employees only need to wait for the provident fund loan application for more than 6 months, regardless of whether the employees have outstanding commercial loans.
But at the same time, the Provident Fund Center also reminded that the monthly repayment amount of provident fund loans should not be higher than the monthly income of families, and the loans should be arranged by themselves.
Can housing provident fund be loaned?
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, private enterprises and other urban enterprises, institutions, social organizations and their employees.
The housing provident fund loan is a mortgage loan entrusted by a commercial bank to the on-the-job employees who paid the housing provident fund and the retired employees who paid the housing provident fund during their employment.
It can be seen that the housing provident fund can apply for loans, but it can only be used for employees to buy, build, renovate and overhaul their own houses. Provident fund loans include second-hand housing loans, self-built housing loans, housing renovation loans and commercial housing loans, but not all provident fund centers can handle these types of loans.
How to handle housing provident fund loans?
Submit application
The borrower shall submit a written application, application form and related materials for housing provident fund loan to the housing provident fund management center, such as personal identity card, marriage certificate, income certificate of the applicant and spouse, original legal purchase contract, stamp of the applicant and spouse, etc.
Audit data
Review the information of housing provident fund, including borrower qualification, loan amount, term, etc. After the examination and approval, the management center will issue relevant certificates of loan approval.
sign a contract
If the borrower is approved by the housing provident fund management department, he can sign a loan contract and a guarantee contract with the loan bank and go through the relevant procedures such as obtaining a license.
provide a loan
According to the loan contract, the loan bank will transfer the loan to the bank account designated by the borrower in one lump sum or in installments.
Repay on time
The repayment method and repayment method agreed by the borrower in the loan contract.
Cancel the mortgage
After the loan is settled, the borrower shall go through the mortgage registration cancellation formalities with the original mortgage registration department with the registration certificate of the loan bank and the original insurance policy.
Four, bank loans need materials, what are the requirements for corporate financial statements?
1. Annual reports for the last three years, financial statements for the last three months and company notes for the last six months;
2. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months;
3, nearly six months of tax bills, signed the purchase and sale contract (if any);
4. Personal bank flow in the past six months or a year. Note: Loans can be divided into credit loans, third-party secured loans, mortgage loans and. According to different purposes, working capital loans also include other loans of securities companies, mainly including real estate mortgage loans, certificates of deposit, secured loans and credit loans, which are used to solve the development needs of securities companies such as the purchase of fixed assets and the decoration of business departments. Extended data:
General bank loan application conditions: 1, which is in line with the national industry and industrial policies and does not belong to small enterprises with high pollution and high energy consumption; 2. The enterprise has a good reputation in various commercial banks and no bad credit record; 3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection; 4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.