What conditions does the interest rate of decorati

2022-07-22
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After buying a house, decoration naturally becomes a top priority. With the improvement of people's living standards, now everyone has higher and higher requirements for decoration. However, because many people have paid a lot of money when buying a house, there is not much left in the budget for decoration. Fortunately, many banks have launched decoration loan products. Today, Xiaobian will take you to know what conditions are needed for the decoration loan of China Construction Bank, and what is the expected annualized interest rate of the decoration loan of China Construction Bank

I. purpose of the loan

the loan can be used to pay for the construction of home decoration and maintenance projects, related decoration materials, kitchen and bathroom equipment, etc

II. Loan object

the object of personal housing decoration loan is a natural person with full civil capacity

III. The borrower's application conditions

1. 18 to 60 years old, with a local permanent residence or a foreign residence, but with a valid local residence certificate, and a fixed residence

2. Have stable professional and economic income or assets that are easy to realize

3. There are "home decoration project contract" signed with decoration enterprises, or "contract for purchasing home decoration materials", "contract for purchasing kitchen and bathroom equipment", and home decoration budget

4. Open a current savings account with China Construction Bank

5. Provide guarantee approved by China Construction Bank

6. Meet other conditions required by China Construction Bank

IV. loan limit

the borrower's loan amount is not less than 5000 yuan (including 5000 yuan), and the maximum loan amount is not more than 150000 yuan (including 150000 yuan)

v. the loan term

is at least half a year and at most 5 years (including 5 years)

VI. the expected annualized interest rate of the loan

shall be implemented in accordance with the expected annualized interest rate of the loan for the same period stipulated by the people's Bank of China

VII. Information to be provided by the borrower

the borrower fills in the application for personal housing decoration loan of China Construction Bank and provides the following information:

1. The original and copy of resident identity documents (ID card, household register, military card or other valid identity documents)

2. personal income certificate (income certificate issued by the unit, payroll, tax certificate, bank deposit certificate that can be used for repayment, etc.)

3. Family decoration project contract, contract for purchasing family decoration materials, contract for purchasing kitchen and bathroom equipment, and family decoration budget signed with decoration enterprises

4. Copy of business license and qualification certificate of decoration enterprise

5. The ownership certificate of the list of mortgages, pledges and certificates of title and the certificate that the person with the right to dispose agrees to mortgage and pledge; The ownership or use right certificate, valuation and insurance documents must be submitted for the collateral; The pledge of rights must also provide proof of rights; Documents of the guarantor agreeing to the guarantee

6. Other materials required by the lending bank

VIII. Operation process of personal housing decoration loan

1. The borrower selects the decoration enterprise and signs the family decoration project contract, the contract for purchasing family decoration materials, the contract for purchasing kitchen and bathroom equipment, and the family decoration budget with the decoration enterprise

2. The borrower applies for personal housing decoration loan from China Construction Bank

3. China Construction Bank reviews the information provided by the borrower

4. If you agree to the borrower's loan, go through relevant procedures

5. Transfer the loan funds to the borrower's personal account

6. The borrower pays the decoration money

7. the borrower shall repay the loan on schedule

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