Decoration loan of Bank of Communications

RMB loan issued by the Bank of communications to the borrower for housing decoration. The housing that the borrower applies for decoration must be the housing that has completed the property certificate or the housing handover procedures. This article provides information about the loan amount, loan period, materials required for the loan and loan processing process of the decoration loan of the Bank of communications for reference. Please consult your local bank for details. Compiled by Xi CAI (www.csai.cn)

I. details of decoration loan

1. The loan object

is a natural person with complete civil capacity, good credit status, fixed residence in the local area, legitimate occupation, stable income source and the ability to repay the principal and interest of the loan

2. In principle, the unit price of decoration per square meter is not higher than 1200 yuan

3. Loan term

the longest loan term shall not exceed 5 years

II. Decoration loan materials

1. Personal decoration loan application form

2. Identity certificate of the borrower (resident identity card, passport, household register, etc.)

3. Real estate ownership certificate of the property to be decorated

4. House decoration contract or decoration plan, decoration shopping list

5. Proof materials of the borrower's repayment ability (such as income certificate, payroll, personal tax bill, other assets, etc.)

6. The ownership certificate of the mortgage guarantee of the loan, the certificate that the person with the right to dispose agrees to the mortgage or the third party guarantee certificate

7. Other supporting documents or materials required by the lender

III. decoration loan processing

1. Make an application

the borrower takes the above application materials to the loan handling outlet to fill in the application form

2. Loan approval

Bank of communications investigates the borrower's guarantee, credit and other conditions, approves them according to procedures, and notifies the borrower of the approval results

3. Loan signing

after the borrower's application is approved, the Bank of communications signs a personal loan contract or corresponding guarantee contract with the borrower, and handles notarization, insurance, mortgage (pledge) registration and other procedures

4. Loan issuance

Bank of communications will issue the loan after the borrower completes the relevant procedures and is verified and confirmed

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