In daily life, buying a house is not a small expense, often tens of millions. However, after buying a house, we have to consider the problem of decoration. Now we need a lot of money to decorate it. Many banking institutions have launched this business. If you have a demand and meet the requirements, you can try to know about this kind of products. Decoration loan is a little different from ordinary loan application. It is directly credited to the account of the decoration company, so do you need to take pictures?

I. Introduction of Decoration Loan

Now the market competition is more and more fierce, so many banks have begun to cooperate with decoration companies to promote loans. As long as you choose the decoration of the cooperative organization, you can get enough loans.

Take the renovation loan of CCB as an example:

1, personal credit is good, there is no overdue record, and the debt ratio is below 60%.

2. It can only be used for the decoration of the designated property, and proof of use is required.

Decoration loan introduction: the maximum amount can be millions, and the amount of different banks is different. Can be used for home decoration, soft decoration, main materials, furniture, electrical appliances and so on. The longest term is 60 months, with no mortgage guarantee, early repayment and no liquidated damages.

Second, do you want to take pictures of the decoration loan?

Generally, you need to submit information such as ID card and real estate license.

1. Before you plan to decorate, you must apply for a decoration loan from the decoration company, and the decoration company will introduce you to the cooperative bank.

2. The decoration company submits your personal data to the bank for approval.

3. The bank will approve the loan amount according to the submitted information, which will not be lower than the loan amount you need. The results will be available in 3~5 days.

4. After the renovation, the bank will arrange the staff to take photos of the hydropower construction at the renovation site (don't fake it, the staff will locate it when taking photos), and the construction address should be consistent with renovation contract.

The bank can lend money after receiving the photos.