I can't.

Decoration loans generally have two forms. Some banks directly transfer the money to the account of the decoration company, and some banks issue decoration installment cards to lenders to transfer the money in. In the second case, some people think that money can be freely controlled, such as taking it out.

But in fact, no matter which way, the funds for decoration loans can't be controlled at will, because the special loans issued by banks must be earmarked, that is, the money can only be used for decoration. In the second case, even if the funds are in the decoration installment card, they can only be consumed on the credit card machine of the designated decoration company, and other credit card machines can't be brushed out, and they can't be directly withdrawn.

Second, can the decoration be staged?

Can be divided into several stages.

3. Can I borrow money or pay by installment for the decoration?

I. Bank mortgage loan

1. 1

Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and after evaluation, the loan can reach 70% to 80% of the evaluation price.

1.2

4. Can I borrow money or pay by installment for the decoration?

Housing decoration can be loaned, and some banks have specialized housing decoration loan business.

For example, CCB's housing installment loan:

I. Installment payment business

Refers to the business that the cardholder applies to use his credit card to purchase goods or services (including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc.) at the merchants designated by CCB. ), and with the approval of CCB, the cardholder pays the settlement money at the merchants designated by CCB through the special installment POS machine, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays the money every month within the agreed time limit and pays a certain handling fee.

Second, two housing modes in stages.

(1) You can choose a decoration company that cooperates with CCB to contract materials and pay the decoration company in one lump sum.

② You can also choose a number of merchants such as tiles, wallpapers, cabinets, furniture and home appliances that cooperate with CCB. Purchase materials and decorate yourself.

Three. Number of installments, amount, purpose and handling fee

① Number of periods: 6 periods, 12 period, 18 period, 24 periods, 36 periods, each period is one month.

(2) Quota and purpose: the applied quota is more than 20,000 yuan (inclusive) 1 10,000 yuan (inclusive), and the validity period of the quota is 6 months from the loan date; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan.

③ Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer.

Fourth, business characteristics

① Special credit line-exclusive installment credit line, which does not affect customers' use of fixed credit card line.

(2) Flexible use-A number of designated cooperative merchants use it flexibly. Compared with the entrusted payment method of personal loans, customers have a wider range of consumption.

③ Simple procedures-exclusive one-stop channel for handling, and customers' application procedures are simple and quick.

Verb (abbreviation for verb) Information required for customer application.

① Application Form for Installment Payment of Longka Credit Card;

② Identification;

(3) Copy of CCB credit card (double-sided);

4. Financial certificate;

5 real estate license;

⑥ Letter of Commitment for the installment payment of Longka Credit Card;

⑦ Face-to-face questionnaire for installment payment of Longka credit card.

Note: the applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc.

Lending and use of intransitive verbs

① After CCB receives the customer's complete application materials, it can pay by credit card. It takes about 18 working days for customers with cards and 15 working days for customers without cards.

(2) In the process of examination and approval, CCB staff should contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact telephone number open after submitting the application, so as not to affect the time limit for examination and approval.

(3) After the approval, CCB will notify the cardholder of the credit line by SMS and telephone. The cardholder takes the CCB credit card to the cooperative merchant and pays by swiping the card with the CCB POS machine. The special amount can be used several times according to the progress of the renovation project, but the amount of credit card swiping each time cannot be less than 1 1,000 yuan. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card.

Seven. Charge and repayment

① The "0" interest, "0" down payment and handling fee of the housing installment payment business will be collected in one lump sum at the time of the first repayment, and the unused amount will not be paid.

(2) For example, the customer swipes the card for one year at 16, with the interest rate of 3.5%, the billing date is 17 June, and the due repayment date is the 7th of the following month. Total repayment amount for the first repayment = 65438+100000 yuan, 3.5% 65438+1000000 yuan/12 = 35008334 yuan =1/834 yuan,/kloc-.