It is understood that only qualified people can apply for decoration loans. When we apply, the bank will put the money into the account of the decoration company or the decoration installment card. Of course, you can also choose not to. However, it is worth mentioning that whether the money is used or not, the loan relationship between the lender and the bank will be established and the repayment obligation will be fulfilled as agreed. If you don't use the money, you still need to repay it on time.

Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project.

There are two kinds of home improvement loans and a credit card installment form, which are as follows: (1) Apply for personal credit loan decoration; Personal consumption loan and decoration loan. The consumer loan here refers to the secured mortgage loan, that is, the consumer loan applied for by real estate mortgage; Credit card home improvement staging; In addition to traditional bank loans, loans from consumer finance companies are also one of the options.

Decoration loan, also known as home improvement loan, refers to the personal credit loan launched by banks or consumer finance companies for the purpose of family housing decoration.

According to the results of the "Household Consumption Survey of Post-80s Generation" initiated by the All-China Federation of Industry and Commerce and Sohu Home in conjunction with the mainstream media in Beijing, nearly half of post-80s white-collar workers are more inclined to decorate 30,000 to 50,000 files under the pressure of rising house prices, and the cost of home improvement has formed a considerable gap with millions of house prices. Among them, 93% buyers are willing to make installment loans for home improvement, more than 60% consumers are willing to take credit card installment loans, and more than 80% consumers hope that loans can be interest-free. It is not difficult to see that, driven by the new consumption pattern, solving the decoration problem through financial tools has become a popular way for buyers.

Personal loans of commercial banks all include personal housing renovation loans, which require the lender to provide assets recognized by the bank as collateral, or a third party with sufficient compensation ability to provide joint liability guarantee. Renovation contract, house sales contract, house purchase receipt or invoice are required to apply for this loan.

You can choose some personal unsecured loans promoted by banks. The loan procedure is relatively simple. You can apply for a loan only by issuing personal income certificates and other materials. The loan can be used for decoration, home appliances purchase, wedding, honeymoon and so on.