What is Bank of communications decoration loan

2022-07-22
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What is Bank of communications decoration loan? Literally, as the name suggests, it is the loan issued by the Bank of communications to the borrower for housing decoration. Today, Xiaobian will give you a detailed introduction

only natural persons with full civil capacity, legal and valid identity documents, good credit standing, stable sources of income and the ability to repay principal and interest on schedule can apply for decoration loans from the Bank of communications

the decoration loan line of Bank of Communications shall not exceed 20% of the transaction price or evaluation value of the decorated real estate; The loan term is up to 5 years

to apply for a decoration loan from the Bank of communications, you need to prepare these materials in advance:

(1) personal loan application form

(2) identity certificates of borrower and spouse (resident identity card, passport, household register, etc.), marriage certificate

(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) mortgage and pledge certificates

(7) other information required by the bank

compared with other banks, the decoration loan of Bank of communications is very simple:

1 Application: the borrower shall take the above application materials to the loan handling outlet to fill in the application form

2. Loan approval: the bank investigates the borrower's guarantee, credit and other conditions, approves according to the procedures, and notifies the borrower of the approval results

3. Loan signing: after the borrower's application is approved, the bank signs loan and guarantee contracts with the borrower, and handles mortgage registration and other procedures

4. Loan issuance: the bank will issue the loan after the borrower completes the relevant procedures and is verified and confirmed

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