At present, most domestic commercial banks provide decoration loans for users to apply for. For example, China's four major banks: China Bank, China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. As well as China Merchants Bank, Ping An Bank, Huaxia Bank and other joint-stock banks, can apply for renovation loans. If you want to apply for college students' entrepreneurial loans, applicants can choose major banks such as China Everbright Bank, Bank of Communications and Minsheng Bank to apply. When applying for college students' entrepreneurial loans, you need to provide information such as identity certificate, student ID card, ordinary passbook or bank card reconciliation list for the last 6 months.

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. Generally, you can apply for a decoration loan in three ways: bank consumption loan and credit card home improvement installment. First, the decoration loan to meet the conditions. (1) Having a local permanent residence and a legal and valid identity certificate; (2) Having a proper occupation and stable income, and being able to repay the loan on time; (3) It has no bad credit record; (four) the newly purchased houses are renovated, and the materials such as the house sales contract and purchase invoice are provided (or the original houses are renovated again, and the materials such as the house ownership certificate are provided); (5) Other conditions required by the lending bank. Two, the lender to apply for decoration loans, generally to provide the following materials to the bank. (a) a valid identity card, a certificate of permanent residence issued by the neighborhood committee, my identity and permanent residence certificate; (2) Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability; (3) the real estate certificate of real estate mortgage (required for mortgage loan); Bank deposit statements and water and electricity tax bills that prove their credit quality; (5) The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan; (six) a copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the designated scope; (7) Other conditions required by banks or financial institutions.

Second, can I apply for a decoration loan with a mortgage?

You can apply for a decoration loan at the bank that handles the mortgage. To apply for a decoration loan, you need to meet the following conditions:

1. The borrower is a citizen of China at the age of 18-65 (inclusive) and has full capacity for civil conduct;

2. The borrower of the decoration loan needs to have a fixed residence, permanent residence or valid residence certificate in the local area;

3. The borrower must have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

4. To apply for a decoration loan, you need to have a good credit record and willingness to repay, and there is no bad credit record;

5. Other conditions stipulated by the bank. Hello, you can apply for a decoration loan in the same bank. The application conditions for decoration loan are as follows: 1. The borrower has a legal and stable income and a good credit record. 2. To apply for a decoration loan, you need to have a local permanent residence and a valid ID card. 3. The borrower can provide proof of assets, bank statements, tax bills, proof of house purchase, house sales contracts, etc. 4. Meet other conditions stipulated by the bank.

3. Can I get a loan for house decoration?

Can I make a consumer loan? ! As long as the house is used as collateral, it is necessary to provide income proof, evaluation report, ID card, marriage certificate and other information. Now basically every bank can get a loan.

4. Can I decorate my house with provident fund loans?

Housing renovation can use provident fund loans.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.