It should be similar to a house loan. First, determine the decoration budget with the decoration company. At the same time, contact the bank and bring your household registration book, ID card and proof of income. If the bank agrees to the loan, you can go to the bank to sign a loan contract and use renovation contract as a mortgage. The details of each bank are different, so you should ask the bank clearly. The general bank may not give you a small decoration loan. # When you buy a house, you will naturally think of decoration. But most families will spend a lot of savings when buying a house, so it is more difficult to spend money on decoration. At this time, you can actually consider applying for a decoration loan. So, how to get a decoration loan?

1, house mortgage. If the borrower owns the mortgage of the house, he can apply for a decoration loan with the house as collateral. The advantage of applying for decoration loan with real estate mortgage is that the interest is not high and the amount is high. The disadvantage is that there must be real estate as collateral, and there are many audit steps to handle, which takes a relatively long time.

2. Personal credit loan. If the borrower has a stable and legal source of income, he can apply for a personal credit loan and decorate it with a credit loan line. Personal credit loan approval speed is faster, but the general amount will not be very high.

3. credit card installment payment. If your decoration company cooperates with a bank and you use this bank's credit card, you can use the credit card to get a decoration loan in installments. The advantage of credit card installment is that the approval process is convenient and simple. However, if you want to use a credit card for installment, you must have the cooperation between the decoration company and the bank. # Decoration loan:

Also known as home improvement loan, it refers to the personal credit loan launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loan.

Loan amount:

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.

How to apply:

1, apply for personal credit loan decoration;

2. Personal consumption loans: consumer loans applied for by real estate mortgage; 3. Credit card home improvement installment: apply for credit card cash installment and choose home improvement building materials; 4. Internet finance application: apply for a loan from a finance company.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!