Decoration loans can generally reach 654.38+0.5 million to 250,000.

This is the amount that ordinary owners can borrow.

If your loan qualification is better, the property value is higher.

The maximum loan for rough houses is 6,543,800 yuan, the maximum loan for hardcover houses is 500,000 yuan (the maximum loan for CCB is 6,543,800 yuan), and the maximum loan for local decoration is 500,000 yuan.

For an ordinary family, 654.38+0.5 million-250 thousand is enough for decoration, less than 500-654.38+0 million.

How much can I borrow for the decoration loan? What is the maximum loan for decoration?

The decoration loans of banks and financial institutions are mainly for customers who want to decorate but lack money, but many people don't know how much decoration loans can be borrowed at most.

In fact, due to the different ways of decoration loans, the amount of loans can also be different.

1. If you apply for a decoration consumer loan from a bank, both ICBC and CCB stipulate that the amount of a single loan should not exceed 1.5 million yuan in principle and not exceed 50% of the total cost of the decoration project; China Bank stipulates that the maximum loan amount shall not exceed 80% of the total cost of the renovation project. If real estate is used as mortgage loan, the loan amount will be higher, but most banks have to evaluate the mortgaged real estate, and the loan amount cannot exceed 70% of the assessed price of the collateral.

If pledge is adopted, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If there is a guarantor, the loan 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. If you can apply for a provident fund loan locally, you can apply for a single maximum of 50,000 yuan, and the loan amount cannot exceed 80% of the total cost of the decoration project. Unfortunately, most areas do not support provident fund decoration loans.

3. If you are eligible to apply for a personal credit loan from the bank for renovation, the maximum loan amount is generally 500,000 yuan.

4. If you hold a credit card and belong to one of civil servants, teachers, bank employees and company executives, you can also apply to the bank for a credit card installment loan. The general limit is100-200,000 yuan, and the installment limit of individual products can reach 500,000 yuan.

How much can I borrow for the decoration loan?

The renovation loan shall not exceed RMB 6,543,800+0.5 million, and shall not exceed 50% of the total cost of the renovation project. But the financing channels you choose are different, and the amount of renovation loans you can apply for will be different.

Both Industrial and Commercial Bank of China and China Construction Bank stipulate that the amount of a single loan should not exceed 6.5438+0.5 million yuan in principle, and at the same time it should not exceed 50% of the total cost of the decoration project; China Bank stipulates that the maximum loan amount shall not exceed 80% of the total cost of the renovation project. If the real estate is used as a mortgage loan, the loan amount will be higher, but most banks have to evaluate the mortgaged real estate, and the loan amount cannot exceed 70% of the assessed price of the collateral.

Decoration loan, also known as decoration loan, refers to the personal credit loan launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loan. Conditions for handling renovation loans include:

1. Has a permanent residence in the town or a valid residence status.

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest on schedule.

Three, there are assets recognized by the bank as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors to repay the principal and interest of the loan and bear joint liability.

Four, with the approval of the competent department of decoration enterprises signed the housing renovation contract, decoration budget and related information.

Five, with not less than 50% of the total decoration budget of its own funds, and use loans before the project construction.

Article 13 of the General Rules for Loans:

Determination of loan interest rate: The lender shall determine the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.

Some Internet decoration platforms use "decoration loans" to deposit funds and expand rapidly. However, due to irregular operation, the risks that followed also surfaced. Since 20 18, the internet decoration platforms in Shanghai, Hangzhou, Qingdao and Wuxi have closed down one after another, resulting in a large number.

Under the intervention mode of the third-party internet platform, the platform uses the personal credit of the owner to obtain low-cost bank loans, and the use of funds cannot be monitored and the risks are uncontrollable.

In addition, whether the approval and issuance of loans by banks and other financial institutions conform to prudent operating rules is questioned. According to the Interim Measures for the Administration of Personal Loans and other relevant regulatory provisions, banks should strictly examine the borrower's borrowing purpose and repayment ability when handling personal loan business. In addition, banks are also obliged to conduct prudent risk assessment on cooperative institutions.

What is the maximum loan for decoration?

1. At present, BOC has no special renovation loan. You can apply for BOC e-loan through Bank of China mobile banking, personal online banking and Weizhong Bank. The loan purpose of this loan includes decoration.

2. The amount of BOC e-loan is calculated according to your income, deposits, wealth management, mortgage, provident fund, individual tax, social security deposits and other information. , combined with the credit information of China People's Bank, the maximum amount is 300,000 yuan.

3. If you need to apply for other types of loans, please consult the local BOC outlets in detail.

The above contents are for your reference. Please refer to the actual business regulations.

How much can I borrow for the decoration loan?

Usually, the maximum loan for renovation is 6,543,800 yuan for rough houses and 500,000 yuan for hardcover houses. However, there are exceptions. The renovation loan of CCB can be 1 10,000 yuan, and the merchant is bound to the customer.

Merchant binding refers not to the identity of the customer, but to the decoration loan applied by the customer. Need to bind the top ten decoration companies designated by CCB, and the money is also for merchants.

Guest room style is only available in CCB. I haven't heard other lines.

China Agricultural Bank does not use the words "individual" and "direct". Merchants admitted by ABC are all discounted.

At present, CCB encourages direct customers, that is, banks and customers directly sign installment agreements and lend directly to your credit card, without any institution in the middle of capital flow.

Agricultural Bank of China encourages discount interest (access merchants can be understood as indirect customers of CCB, but the rate calculation method is different).

How much can a 600,000 house decoration loan generally borrow?

Now people's requirements for living are getting higher and higher. After buying a house, everyone wants to decorate the house comfortably, warmly and practically. Because buying a house cost a lot of savings, the decoration budget is not much. Fortunately, in order to solve the problem of buying a house, decoration companies and banks have launched decoration loan projects accordingly, so many people have to ask how much decoration loans can be borrowed and what conditions are needed for loans? In view of this problem, let's introduce how much decoration loans can be borrowed today.

Decoration loan means that the decorator pays part of the decoration expenses to the decoration company, and the rest and bank loans are paid by the bank. The specific amount of decoration loans can be different for each bank, and the loan methods are also different.

The renovation loan amount corresponding to different loan methods is 1. Generally, ICBC and CCB apply for renovation loans not exceeding10.5 million yuan, and the loan amount shall not exceed 50% of the final assembly cost; The Bank of China stipulates that the maximum loan amount shall not exceed 80% of the total cost of the renovation project.

2. Mortgage loans with real estate Most banks have to evaluate the mortgaged real estate, and the loan amount cannot exceed 70% of the assessed price of the collateral. If there is a guarantor, the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan.

Eligible to apply for personal credit loans from banks for renovation, the maximum loan amount is generally 500,000 yuan.

4. If you hold a credit card and belong to one of the employees, such as teachers, bank employees and company executives, you can also apply for a credit card installment loan from the bank. The general limit is100-200,000 yuan, and the installment limit of individual products can reach 500,000 yuan.

The above is the answer about how much decoration loan can be borrowed. Everyone has different conditions and adopts different decoration loan methods, so the loan amount is also different. It is suggested to know more about the relevant knowledge before preparing the loan, so as to reasonably choose the decoration loan method that suits you.

This concludes the introduction of the amount of decoration loan and the amount and interest of decoration loan. I wonder if you have found the information you need?