(1) has local permanent residence and legal and valid identification;

(2) Have a proper occupation and stable income, and have the ability to repay the loan principal and interest when due.

(3) The borrower can provide relevant asset certificates, bank statements, tax receipts, etc.

(4) Newly purchased houses need to provide information such as house sales contracts, purchase invoices, etc. (or the original houses that have been renovated again need to provide house ownership certificate materials);

(5) Other conditions stipulated by the Cooperation Organization.

2. According to the information released by China Consumers Association, in the first half of 20 18, the loss of consumer property caused by the "running away" of Internet decoration companies became one of the top ten complaint hotspots. "20 18, all kinds of complaints about' renovation loans' surged. Consumer finance itself is good, but if it is not standardized, it will amplify risks and directly harm consumers' interests.

Extended data:

Liang Lei, senior director of Hainan Branch of Postal Savings Bank, said that in order to do a good job in consumer finance and prevent risks, banks need to prevent and control illegal cases from the aspects of system and personnel, further improve the accountability management mechanism for authenticity verification, and prevent false management and false transactions. At the same time, it is necessary to strengthen fund management and guard against consumer financial risks.

To effectively resolve the risk of "decoration loan", banks should strengthen the control of the amount and use of decoration loans, ensure that the loan amount, the credit status of decoration owners and the actual demand for decoration are reasonably matched, and ensure that the actual use of funds does not change. At the same time, the financial supervision department should also pay close attention to the phenomenon of "decoration loan" similar to the Internet decoration platform, and adopt a differentiated approach to encourage innovation.

Baidu encyclopedia-decoration loan

People's Network-Be careful, there are many "decoration loans".