Decoration loan only replaces the traditional loan interest with the concept of handling fee. The real interest rate of one-year renovation loan is very high. The real intention of banks to promote decoration loans is much higher than the interest rate income of mortgages and mortgage loans, and banks are also trying to make money.

Banks are legally established financial institutions engaged in money and credit business. It is the product of the development of commodity currency economy to a certain stage. Banks are classified into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.