Everyone knows that buying a house is a small expense. Some people may have to wait a long time to get a set, not to mention the subsequent renovation costs. Nobody wants to make a simple decoration. There is a limited amount of money for fine decoration. What should I do? At this time, we should think about the way the CPF loan is renovated . We can consider it if we have the ability to repay it only temporarily. The following home decoration website will give you a detailed introduction. 1. How to apply for the construction of the provident fund loan 1. The applicant for the provident fund renovation loan submits a loan application to the housing and home guarantee company, and submits relevant certificates and materials. 2. After the bank passes the certificate and data review submitted by the borrower, the borrower will sign a decoration contract with the decoration company and hand the original contract to the bank. 3. The borrower and the lender sign the “Loan Contract†and the corresponding guarantee contract. Borrowers who use housing as collateral should apply for notarization of “Personal Housing Mortgage Contractâ€, mortgage housing insurance and real estate mortgage registration procedures. 4. The bank shall go through the formalities for loan after completing the loan guarantee formalities or accepting the “Certificate of Other Real Estate Rightsâ€. 5. The bank is entrusted by the borrower to transfer the loan to the bank opening account designated by the decoration company in the name of payment for the decoration in accordance with the time specified in the loan contract. Second, the conditions for the application of the provident fund loan 1. The lender must have a permanent residence or a valid residence status; 2. Push forward from the date of application, and continue to pay the housing accumulation fund for more than 12 months in a continuous period (only one person is allowed to pay the provident fund for the husband and wife); 3. There are contracts (contracts) and related materials for purchasing houses, building houses, and overhauling self-occupied houses in accordance with the law; 4. Have a certain proportion of self-raised funds. If you buy second-hand housing or build a house or overhaul a house, the self-raised funds shall not be less than 30% of the total house price; 5. Have a stable economic income and the ability to repay the principal and interest of the loan (provided by the unit to issue monthly income certificate). Third, the house decoration loan method 1. House mortgage is a common way of decoration loans. If you own the mortgage of a house, you can use the house as a mortgage. The advantage of this type of loan is that interest is not high and the amount is high. The disadvantage is that there must be a property as a mortgage, and there are more steps to go through the review, and it takes a relatively long time. 2. If you feel that taking a mortgage is too much trouble, you can take a more convenient way, that is, choose a personal credit loan. This type of loan is suitable for owners with stable legal income. The approval rate of personal credit loans is faster, but the general quota will not be very high. 3. There are many people using credit cards, especially young people, so you can also apply for a loan by credit card installment. This type of loan must meet the condition that the decoration company you hired has a bank account and you are using the bank's credit card, then you can take a credit card installment to get the renovation loan. Credit card staging advantages are convenient and quick, and the approval process is simple. However, want to use a credit card staging, it is necessary to have a decoration company and bank cooperation. Loan is only a means to alleviate the near-worry. We must use it correctly, not to do illegal things. Pre-consumption is also the way many people live. Sometimes we should accept it. I hope that the above introduction can help everyone, thank you for reading. . For more exciting home improvement information, please continue to pay attention to the decoration home network. More related wonderful reading: Renovation of provident fund loan conditions renovation provident fund loan approval process Can the provident fund be loaned for renovation? Provident fund loan application conditions What is the interest rate of the provident fund loan? How is the amount of the provident fund loan calculated? How to loan a housing provident fund? Housing provident fund loan process How does the provident fund loan house purchase process proceed? Provident fund loan conditions: loan conditions must be kept in mind
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