Conditions for handling housing loan decoration

2022-07-22
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What about housing loan decoration? Conditions for handling housing loan decoration: first, having urban permanent 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; If the property right of the house you want to decorate is your own, you should have a property right certificate, if & 8230

housing decoration loan, also known as personal micro loan, is an unsecured RMB loan specially issued for people with stable and continuous wage income, which is used for personal consumption based on their monthly wage income as the basis for judging the loan amount. Personal housing decoration loan refers to the RMB loan issued by the bank to residents with credit funds for the decoration of self owned housing, which is used to pay for the construction funds of family decoration and maintenance projects, related decoration materials, kitchen and bathroom equipment, etc. So, what about housing loan decoration

conditions for handling housing loan decoration:

first, having urban permanent residence or valid residence status

second, it has the certificate of real estate ownership or the certificate issued by the real estate 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

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