China Construction Bank Decoration Loan Lending SMS

It usually takes 7 to 10 working days to receive the audit notice.

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.

Application conditions

1. Have local permanent residence and legal and valid identification;

2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity.

3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.

4. For newly purchased houses, materials such as house sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again);

5. Other conditions stipulated by the Cooperation Organization.

Application material

Lenders applying for renovation loans generally need to provide the following materials to the bank:

1, valid ID card, permanent residence certificate issued by the neighborhood committee, proving their identity and fixed residence;

2. Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability;

3, housing provident fund deposit certificate;

4. Real estate certificate of real estate mortgage (required for mortgage loan);

5. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;

6. The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan;

7. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;

8. Other conditions required by banks or financial institutions.