The stages of CCB and BOC are both good.
One: Industrial and Commercial Bank of China: ICBC provides decoration loans, which can be decorated with provident fund loans, which is very convenient. Secondly, mortgage is most suitable for ICBC's existing mortgage customers. Applying for a decoration loan in the name of a mortgaged house is a secondary mortgage, not a credit. The amount is about 15% of the property value, and the annualized interest rate is 2.7%. The provident fund is also very low, and the loan period is 5 years. The interest rate of commercial banks is the lowest, which is lower than the mortgage interest rate.
II. China Construction Bank: The monthly interest rate is between 0.27% and 0.37%, and the repayment period is 5 years. No mortgage is needed, it is a pure credit loan. CCB is a better bank for decoration loans. There are several options for the renovation loan of CCB, such as CCB credit card scheme, provident fund scheme or running water scheme. The existing customers of CCB's mortgage and credit card customers are high-quality customers, regardless of traffic. The credit card quota of CCB has been expanded by 6 times, and the base of provident fund has been expanded by about 50 times. The simple flow plan depends on the interest settlement flow, and the requirements are relatively high.
Three: The banks that can provide renovation loans are Ping An Bank, China Bank and Agricultural Bank. Bank of China also belongs to credit, and Agricultural Bank of China belongs to secondary mortgage, and the requirements are high and low, so I won't say much here.
There are two kinds of home improvement loans and one credit card installment form to apply for, as follows: 1. Apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
Four: the deposit base of the provident fund is greater than 2400, and the provident fund has been paid continuously for 2 years. The higher the deposit base of a few provident funds, the higher the amount; It is best for the company to be a public institution, or a state-owned enterprise or a large enterprise, and it is best to belong to a bank white list enterprise;
Five: Generally, bank loans require higher credit information, so credit information must be good. The utilization rate of credit card limit is less than 70% within 2 years, the credit card status is normal, and there is no overdue at present. It is best to borrow money from a banking institution.
Six: Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of home 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.
Eight: Credit loans are unsecured and unsecured, but more than half of the credit loan products in the market have higher requirements for consumers, or the threshold for asset certification is higher, or people in specific industries, VIP customers and senior management personnel of the company can apply, and the details of the applicant's work nature, industry, income and so on must be strictly examined. Consumers prefer personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank. The credit loan amount of these banks is generally 5-8 times the monthly income, and of course the interest rate will be higher.