If you don't write the child's name, you're not sure you can't. All people's bank credit should be checked. You can ask whether the credit problem will affect the loan, and it may be best to be late occasionally.
Second, the construction bank renovation loan withdrawal method
Decoration loan card is special and cannot be used for transfer and cash withdrawal.
It can only be used for house decoration, furniture purchase, household appliances and other consumer purposes, so users must swipe their cards at home stores or decoration companies and other businesses related to the decoration industry. If it is other types of businesses, you may not be able to swipe your card. If the customer wants to cash out, once the bank finds that the customer has not used the decoration loan funds according to the specified purposes, the bank is likely to recover the funds and terminate the contract, which will also affect the personal credit, thus affecting the application and use of user loans and credit cards.
In order to confirm the real decoration situation, the bank staff will take photos at home. Hardcover housing loans are generally one-time loans, which are directly lent after approval, and there is no need to go to the house to verify the loans. However, after buying furniture and appliances, the bank will arrange staff to take photos at home and then prepare to move in. The rough house is divided into two loans, which is the first loan after the completion of hydropower. After the completion of the mud wood, it was confirmed as the second loan after the real decoration. Every confirmation requires bank staff to take photos at home.
In addition, at the time of application, the lending institution will require the applicant to sign an agreement, stipulating that the applicant promises that the decoration loan funds will only be used for family decoration, and will not be used for other purposes, and will not be cashed out through fraudulent transactions. In case of the above acts, the lending institution has the right to require the applicant to repay all the arrears in one lump sum, including but not limited to the principal, handling fee, interest, late payment fee, etc. In other words, once the cash is found, the bank has the right to ask the user to repay all the money and corresponding expenses at the same time, otherwise it will be responsible for you and affect personal credit information.
I hope the above answers can help you!
What process does Hefei provident fund decoration loan need?
Documents required for housing provident fund loan: 1. Identity cards, household registration books or other valid residence certificates of the borrower and the owner (including spouse) and participants. 2. Legal and valid commercial housing sales contract. Proof that self-raised funds not less than 30% of the total purchase price have been paid 4. Proof of income of the borrower and his spouse. Proof of marital status (unmarried single certificate) 6. 7 tourists (including spouses) agree to mortgage the property rights in writing. Other information required by the provident fund management center. Conditions for handling housing provident fund loans: 1. Have a legal occupation and stable economic income, aged between 18 and 65 years old, have the ability and willingness to repay the loan principal and interest according to it, and have good credit standing. 2. Legally and effectively registered commercial housing sales contracts. 3. Self-raised funds not less than 30% of the total purchase price. 4. Agree to use the purchased house as collateral. 5. Agree to handle comprehensive loan insurance. 6 by the guarantor (seller) unified guarantee, until the housing ownership certificate is obtained, and other rights of the housing registration, to the loan bank and provident fund center for safekeeping. 7 other conditions stipulated by the provident fund management center. Handling process of housing provident fund loan: 1. The lender applies to the bank and provides the above materials. 2. The bank accepts the lender's application and examines whether it meets the loan conditions. After approval, both parties signed a loan agreement. 4. The bank issues loans to lenders through transfer.
Fourth, how to transfer the decoration loan?
Provide QR code or transfer money through bank account.
Usually, the decoration loan is to pay the down payment first and then apply for a loan. If the credit is good and there is no record of non-performing loans, the bank flow can cover twice the loan amount, with more loan amount and less down payment. During this period, the down payment can be made according to the transfer or QR code provided by the bank.