1. If you apply to the bank for decoration consumption, both ICBC and CCB stipulate that the single amount shall not exceed 1.5 million yuan in principle, and shall not exceed 50% of the total cost of the decoration project; China Bank stipulates that the maximum amount shall not exceed 80% of the total cost of the renovation project. If the property is mortgaged, the amount obtained will be relatively high, but most banks have to evaluate the mortgaged property, and the amount cannot exceed 70% of the appraised price of the collateral. If the pledge method is adopted, the maximum value shall not exceed 90% of the value of the pledge right certificate; If a guarantor is found, the amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan.
2. Pay the housing provident fund in full and on time, and the renovation funds are not large. If the local regulations allow the renovation of the provident fund, you can apply for a single maximum of 50,000 yuan, and the amount cannot exceed 80% of the total cost of the renovation project. However, the relevant regulations vary from place to place, and most of them do not support the renovation of provident fund.
3. If you are eligible to apply to the bank for personal credit for decoration, the general maximum amount is 500,000 yuan.
4. If you are a civil servant, a teacher, a bank employee, a company executive, etc. You can also apply to the bank for renovation by stages. The general upper limit is 654.38+000-200,000 yuan, and the installment amount of individual products can reach 500,000 yuan.
5. Apply to a consumer finance company for decoration and other large consumption, and the amount shall not exceed 5 times of my monthly income.
6. If you apply for personal unsecured decoration online, credit is your best pass. For example, the decoration of Ping An through train is relatively simple, and the maximum personal home decoration is 500,000, which can basically meet your needs.
The above interest rates are calculated according to the current commercial interest rate.