Housing decoration loan application conditions

2022-07-22
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When applying for personal housing decoration loan, the borrower should be a natural person with full civil capacity. In addition, the borrower should also meet the following conditions: first, have a permanent urban residence or valid residence status; Second, it has the certificate of real estate property right or the certificate issued by the real estate property right unit that the borrower has the right to use the house & 8230

personal housing decoration loan refers to the RMB loan issued by the bank to residents for the decoration of self owned housing with credit funds, which is used to pay for the construction funds of family decoration and maintenance projects, related decoration materials, kitchen and bathroom equipment, etc

for applying for housing decoration loans, the loan amount shall not exceed 80% of the total value of the decoration contract; The loan term is generally no longer than 5 years. If the personal working income is relatively stable and reliable, you can apply for a loan through personal credit or secured loans guaranteed by a third party, and the bank will determine the loan limit according to the credit rating of the borrower and the guarantor. When handling the loan for house decoration, it is necessary to provide proof of the purpose of the loan: such as providing house decoration design and applying to the bank. In addition, it should be reminded that the total expenditure on real estate of a family should not exceed 50% of the family income

applying for housing decoration loans should meet the following conditions:

applying for personal housing decoration loans, the borrower should be a natural person with full civil capacity. In addition, the borrower should also meet the following conditions:

first, have a permanent urban residence or valid residence status

Second, have a certificate of real estate property rights or a certificate issued by the housing property right unit that the borrower has the right to use the house; If the property right of the house you want to decorate is your own, you need to have a property right certificate. If it's a unit's house, you need a certificate from the unit that you have the right to use it

third, have a stable career and income, good credit, and the ability to repay the loan principal and interest on schedule

to prove a stable occupation and income, in addition to those who work in the factories of state units, in private enterprises or self-employed enterprises, their own units can issue a written certificate of stable economic income in the past two years or provide you with a tax receipt for paying personal income tax in the past two years

in addition, applicants can apply for house decoration loans with the decorated house as collateral. As long as the decorated house is not qualified in terms of bank mortgage, face value, market value, etc., the loan limit is generally about 70% of the assessed value of the house. The applicant may also provide loans guaranteed by an enterprise legal person or a guarantee company that has the ability to repay on its behalf. If you have paid the provident fund for six months in a row, you can also consider applying for a provident fund decoration loan. If the house decorated by the applicant is a mortgage house property, it is suggested that you also need to provide another house property or assets as collateral to apply for a loan. When applying for a house decoration loan, the applicant needs to fill in a decoration loan application form, including the purpose of the loan, amount, term, collateral and repayment source

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