You can do the following:
Application method for renovation loan of CCB:
1, apply for personal credit loan decoration. This method is characterized by high requirements for applicants, that is to say, high threshold, which is tailored for some special industries, VIP customers and company managers. It needs to examine the details of the applicant's job nature, industry and income, and generally does not need mortgage. The loan amount is 5-8 times the monthly income, and of course the interest rate will be higher.
2. Personal consumption loan decoration loan. This method is different from the former. It is necessary to bring a certificate, such as real estate, consumption, etc., to give applicants a wider choice. However, each bank has different requirements for applicants in terms of housing price, housing age and housing area. Applicants can do their homework in advance. Individuals with one or more houses can try to apply. The loan amount is large and the term is long, but it also depends on the specific loan amount, personal qualification and real estate situation.
3, credit card home improvement staging. Generally speaking, due to the limited financial capacity of applicants, many banks have developed a more humanized product, namely credit card installment business, which is mainly aimed at people who live in large and medium-sized cities, just bought houses and have no money to decorate, but require applicants to have a good credit record.
Construction Bank decoration loans should meet the following conditions:
1, with legal identity documents and local permanent residence or local valid residence certificate.
2, good reputation, stable economic income, with the ability to repay the loan principal and interest on schedule.
3. Being able to provide the guarantee method approved by China Construction Bank or have the credit qualification approved by China Construction Bank.
4. The home decoration project contract signed with the decoration enterprise, or the contract signed with the decoration material supplier for the purchase of home decoration materials, the contract for the purchase of kitchen and bathroom equipment, or the provision of home decoration budget.