Can I get a loan for house decoration? What are the procedures for renovation loans?

1. Can I get a loan for house decoration? What are the procedures for renovation loans?

Due to the high housing prices, many people have to save enough money to buy a house, but they are also faced with the problem of house decoration, especially those who have already applied for housing loans when buying a house and have no remaining funds to decorate their houses. So, can I get a loan for house decoration?

Can I get a loan for house decoration?

Can I get a loan for house decoration?

mortgage

Personal housing renovation loans refer to RMB loans issued by banks to residents for renovation. It is used to pay the construction cost of house repair and maintenance projects. Related decoration materials, kitchen and bathroom equipment. The loan amount shall not exceed 80% of the total price of renovation contract. It is common to apply for home improvement loans, and the loan period is no more than five years. In addition, it should be pointed out that the total expenditure of family property cannot exceed 50% of family income.

Individuals applying for mortgage loans must meet the following criteria:

(a) the permanent residence or effective residence of this Municipality.

(2) issue a house use certificate that proves whether the debtor owns the house unit or property. If the house is renovated, the debtor must hold the property right certificate. The house of the unit must have the ownership certificate of the unit.

(three) have a stable job and income, have a good reputation and the ability to repay the loan principal and interest.

Can I get a loan for house decoration? Information required for application.

(1) Original and photocopy of legal identity document (resident ID card, household registration book or other valid residence permit).

(2) the title certificate or the borrower's name certificate.

(3) proof of economic income issued by the unit.

(4) Building decoration project construction contract.

(5) In case of mortgage loan, it is necessary to have the property right certificate of the mortgaged property, the list of pledged property, the consent certificate of the mortgagor and the mortgage evaluation report;

(6) The guarantor agrees to provide written documents and guarantees.

Can I get a loan for house decoration? Loan application procedure

(1) When a borrower applies for a house decoration loan, he must complete the application form and submit relevant materials, and must go through relevant guarantee procedures. After being approved by the examination and approval department, the account manager must sign the loan agreement.

(2) The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in the bank, so that the customer can use the loan funds;

(3) The borrower opens a counter to repay, or repays with the amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment. After the loan is settled, the bank cancels the creditor-debtor relationship with the customer and goes through the relevant formalities.

Matters needing attention in applying for housing decoration loan

Applicants can apply for housing reconstruction loans or mortgage loans. As long as the renovated house meets the requirements of bank mortgage loan, face value and market value, the loan amount is generally about 70% of that of real estate assessment. The applicant can also provide solvency companies and solvency held by solvency companies. If you have a provident fund for six consecutive years, you can consider applying for a provident fund decoration loan. The mortgage loan of the house has been mortgaged to the bank in principle and cannot be used for mortgage loan. I haven't got the real estate license yet. However, some banks will provide decoration loans to mortgage customers, even if the house is mortgaged, it can also be used to apply for decoration loans.

Because banks have similar decoration loan products, they can apply for decoration loans from banks after applying for mortgages. However, it must be pointed out that the amount of the loan is also related to the mortgage value and the remaining mortgage. It is best to provide additional attributes or assets as collateral for loans.

The above is about whether the house decoration can be loaned. I believe that after reading it, I have a certain understanding of the decoration loan, hoping to help.

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Second, how about a loan to decorate the house? What proof do you need? What is the general process?

If you can pay, you need three certificates, real estate license, deed certificate, land certificate and contract of decoration company.

3. Can Baotou Steel's housing provident fund loan buy a house other than Baotou Steel's real estate development?

Yes, I am a second-hand house.

Fourth, how to transfer the decoration loan?

Provide QR code or transfer money through bank account.

Usually, the decoration loan is to pay the down payment first and then apply for a loan. If the credit is good and there is no record of non-performing loans, the bank flow can cover twice the loan amount, with more loan amount and less down payment. During this period, the down payment can be made according to the transfer or QR code provided by the bank.