Now the house is being mortgaged and will be returned in three years. It is ok to apply for a decoration loan now. As long as you use other collateral instead of real estate as collateral, such as vehicle ownership certificate, you can apply for decoration loan.
Second, the mortgage house I made in CCB has been paid back for more than two years now. I want to decorate it now. ...
If you meet the requirements, you can apply for a decoration loan.
Decoration loan:
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.
Mortgage credit loan. In principle, the amount of individual housing renovation loans issued by banks should not exceed 6,543.8 yuan+5,000 yuan, and the maximum amount should not exceed 6,543.8 yuan+5,000 yuan.
50% of the total cost of the renovation project. At present, there are two kinds of home improvement loans and a credit card installment form to apply for.
The details are as follows: 1, apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. Consumer loans here refer to holding loans.
Liquidation period
The shortest half a year, the longest five years (including five years).
Mortgage loan, that is, consumer loan with real estate as collateral and application. ; 3. credit card home improvement staging; 4. Loans from consumer finance companies
In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
Application conditions
1. Have local permanent residence and legal and valid identification;
2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity.
3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc.
4. For newly purchased houses, materials such as sales contracts and purchase invoices shall be provided (if the original houses are renovated again, all houses shall be provided).
Proof of rights);
5. Other conditions stipulated by the Cooperation Organization.
3. Can the Postal Savings Bank apply for a decoration loan after mortgage?
can
If you can apply for a decoration loan after applying for a mortgage, you can apply for a certain amount of loan business as long as you can meet the loan requirements of financial institutions. In most cases, as long as the applicant can pass the mortgage review, he can generally pass the decoration loan review. If the user's personal qualifications and personal credit information are good, in the case of more personal assets, the user can directly apply for a decoration loan after applying for a mortgage.
The mortgage house I made in CCB has been paid back for more than two years now. I want to decorate now, can I make a decoration loan again? For example, if possible, which bank?
Bank of China or Bank of Nanjing also have much stricter credit loan conditions than those of the previous two banks. Can you explain it in detail? Thank you, I don't quite understand.
Go to the Bank of China for consultation and ask if you can get a loan according to the multiple of monthly payment. Ping An has a high interest rate.
It seems that the bank has a decoration loan policy.
Nonsense, it's only done in this name. It doesn't mean that you buy a house loan to decorate it for you. All banks except Nanjing Bank have to mortgage it, so you can't mortgage this house if you have a mortgage.
I want to borrow money for renovation. Is it ok with my present conditions? I have a good credit report,
Loans should be used for specific purposes, so if loans can be made, they can be said to be used for decoration.
I have been doing my own small business in other places. I don't have a regular job and nothing to mortgage. But I have a foreign CCB savings card. Credit information is also very good.
Is there any social security paid by the company? What unit? Do you have punch cards? How much is the monthly salary? Married? How much is the current debt? How much is it to pay back to the bank every month? How much is the credit card overdrawn?
Jilin city.
How many years have you worked in your company at present?
There are two credit cards, and they are almost overdrawn.
Which city are you from? Let me see where you can do it.
Married.
It's time for bed. speed
You mean looking for an intermediary? I really don't understand this question. It's really troublesome for you.
In your case, the bank thinks the poor conditions are due to instability. There should be a Ping An small loan company over there, so it is estimated that it can only be done there.
Thank you for bothering you so late.
The interest rate is about 2-3 times that of the bank. Go shopping tomorrow to see if there is any loan. Pick up any one and make a phone call. I can only help you here. Go to bed, 88