Most banks provide decoration loan business, such as ICBC, CCB, Bank of China, Bank of Communications, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, etc.
The decoration loan products of different banks will have different regulations. For example, the maximum loan limit of a household decoration loan of CCB should not exceed 1 million yuan, and the maximum loan term should not exceed five years.
Of course, if a customer wants to apply for a decoration loan, no matter which bank he goes to, he must provide his local permanent residence or valid residence certificate, and he must have a legal and stable working income and the ability to repay the principal and interest of the loan when due; And the personal credit should be good, and there should be no bad credit record in the credit investigation.
When handling, customers should pay attention to preparing personal ID card, account book or permanent residence certificate, bank statement, house purchase agreement or property certificate, as well as the Decoration Project Contract, Decoration Material Purchase Contract and other materials signed with the decoration company. Once the materials are ready, go to the counter of the selected bank outlet to apply for a loan, get the application form and fill it in, and then hand the completed form with the materials to the staff.