Nanchang bank personal housing decoration loan

2022-07-22
  • Detail

Nanchang bank

Nanchang bank personal housing decoration loan

[product definition]

personal housing decoration loan is a loan issued to natural persons for the decoration of their own homes

[product features]

provide sub loan, so that your loan can match the decoration progress, while reducing interest expenses

free SMS reminds you to repay in time to avoid losses and damage to credit

[loan conditions]

the borrower is over 18 years old and under 55 years old, and has full civil capacity

the house to be decorated is located in the business area of our bank

the borrower signed a decoration contract with the decoration company

the borrower has stable professional and economic income, good credit and the ability to repay the principal and interest of the loan in the place where the house is decorated

the borrower can provide effective guarantee recognized by our bank

other conditions required by the lender

[loan amount, term, interest rate]

the maximum loan amount is 70% of the total price of the decoration project specified in the contract

the loan term of personal housing decoration loan is up to 10 years, and the sum of the borrower's age and the loan term does not exceed its legal retirement age plus 5 years

the loan interest rate shall be implemented in accordance with the interest rate and adjustment method stipulated by the people's Bank of China

[repayment method]

the loan within one year (including one year) adopts the method of paying the interest on schedule and repaying the principal at one time, and if it exceeds one year, the repayment method of equal principal or equal principal and interest is adopted

[submission]

personal housing decoration loan application

identity certificate: legal identity documents of the borrower, co owners and their spouses (resident identity card, household register, military certificate, or other valid residence documents)

marriage status certificate (marriage certificate, divorce certificate, unmarried certificate)

income certificate of the borrower and spouse

house decoration contract

the bank's deposit certificate of 30% of the borrower's self provision of the decoration contract amount

copy of business license of decoration company, copy of decoration qualification certificate, bank account number

the borrower can provide effective guarantee recognized by our bank

other conditions required by the lender

[loan process]

the borrower provides the decoration contract signed with the decoration company, and fills in the "personal housing decoration loan application" and other relevant loan application materials

bank staff review materials and conduct credit investigation

after our approval, we will sign a loan contract and a receipt of loan with the borrower

implement guarantees and issue loans

the borrower shall repay the principal and interest on time as agreed in the contract

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