What do I need to apply for a hotel decoration loan?

If you apply for a loan from China Merchants Bank, our bank has personal consumption loans, which are issued by our bank to natural persons for personal or family legitimate consumption purposes, such as car purchase, parking, decoration, education, bulk shopping, tourism and so on. , generally secured by real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department. Specifically, you can explain your city, and we will further help you determine whether there is this type of loan in the local area.

Generally, commercial housing is used as collateral, and the mortgage rate shall not exceed 70% of the present value of real estate appraisal; Where commercial houses are mortgaged, the mortgage rate shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal. For educational purposes, the term shall not exceed 8 years (inclusive).

Application materials generally required for applying for a loan:

1. Identification information

2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.

4. Guarantee certificate: proof of ownership of collateral. If there is a * * * owner, it is also necessary to provide a statement that the * * * owner agrees to mortgage or requires the * * * owner to sign a mortgage contract. Where other auxiliary guarantee methods are provided, corresponding certification materials are also required.

5. Proof of use: if the loan is used for car purchase/parking space, materials that can prove the authenticity of the purpose of house purchase, such as car purchase/parking space contract, subscription letter of intent, deposit receipt, down payment receipt, etc. , must be submitted; If the loan is used for decoration, materials that can prove the authenticity of the decoration must be submitted, such as the title certificate of the renovated property, renovation contract, advance payment receipt, etc. If the loan is used for educational purposes, it is necessary to submit the admission certificate, such as the admission notice issued by the school or similar certificate.

6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.

If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.