Decoration loans are handled in banks or lending institutions, not in decoration companies. However, it is necessary to provide the decoration project contract signed with the decoration company, the purchase of decoration materials and other materials, as well as the business license and qualification certificate of the decoration company, so the loan really needs the help of the decoration company.

As for the loan amount, the customer can apply according to the amount indicated in the decoration project contract signed with the decoration company (be careful not to exceed the actual expenditure of decoration).

Which bank is the easiest to approve decoration loans?

There are some differences in the loan application conditions of decoration loans among banks. Taking the four major behaviors as examples, borrowers can choose the most suitable bank according to their actual situation.

1, renovation loan of China Bank.

China Bank's housing renovation loan target is usually a natural person who is over 18 years old and has civil capacity. It is easier to apply for a job if you have a stable job and a certain economic ability. The renovation period is generally +0-3 years, not more than 5 years, and the specific period is determined according to the applicant's qualification.

2. Construction Bank Decoration Loan

The home improvement loan of CCB requires the applicant to be between 18-60 years old and have full capacity for civil conduct. You can apply for a loan through mortgage, guarantee, pledge and credit. The loan amount reached 6.5438+0 million, and the loan period was as long as 5 years.

3. Decoration loan of China Merchants Bank

The most basic materials for the decoration loan application of China Merchants Bank are ID card, marriage certificate, income certificate and address certificate. The renovation loan amount reached 6.5438+0 million, and the loan period was as long as ten years. Users who apply for housing mortgage loans at China Merchants Bank can easily apply for decoration loans.

4. China Agricultural Bank Decoration Loan

The maximum amount of renovation loan that the Agricultural Bank can apply for is 300,000 yuan, the minimum monthly interest rate is 0.25%, and the longest repayment period is 5 years. But in principle, it cannot exceed 80% of the total cost of the renovation project. If users apply for personal consumption loans as decoration loans, they can apply for a loan amount of up to 500,000 yuan.