I. Use of Provident Fund for Fine Decoration of Second-hand Housing Loan and Calculation Method of Loan Amount: The minimum loan amount of Provident Fund is calculated according to the following conditions: 1, and the loan amount of second-hand housing does not exceed 70% of the total house price. 2. The maximum loanable amount for the employee to pay the provident fund is 300,000 yuan; For employees whose husband and wife both pay provident fund, the maximum loan amount is 600,000 yuan. If the spouse is an official, the spouse will receive the maximum loan amount. ..

How much can a decoration loan generally borrow?

To apply for a loan to decorate a house, the amount of decoration loan that can be applied for is mainly divided into the following two situations:

1. The maximum personal decoration loan of a bank shall not exceed 1.5 million.

Individuals apply for housing renovation loans from banks. Under normal circumstances, the maximum loan amount that an individual can apply for is 654.38+0.5 million. At the same time, applying for a decoration loan also requires the applicant to prepare certain funds himself.

2. The maximum installment of credit card home improvement can reach 200,000.

At present, many banks can handle credit card home improvement by stages, and individuals can also handle credit card home improvement by stages, with a maximum loan amount of 200,000. However, the specific amount still depends on the applicant's personal qualifications and repayment ability.

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, that is, unsecured credit loans. In principle, the amount of individual housing renovation loans issued by banks shall not exceed 654.38 yuan+500,000 yuan, and shall not exceed 50% of the total cost of renovation projects.

There are two types of housing renovation loans and one credit card installment payment form available for application, as follows:

1, apply for personal credit loan decoration;

2. Personal consumption loan decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans applied for with real estate as collateral;

3. credit card home improvement staging;

4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.

At present, there are two kinds of decoration loans and a credit card installment payment form available for application, as follows:

1, apply for personal credit loan decoration.

Credit loans are unsecured and unsecured, but more than half of the credit loan products in the market have high requirements for consumers, or the threshold for asset certification is very high, or people in specific industries, VIP customers and senior managers of the company can apply. We must strictly examine the applicant's job nature, industry, income and other details. Consumers prefer personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank. The credit loan amount of these banks is generally 5-8 times the monthly income, and of course the interest rate will be higher.

2. Personal consumption loan decoration loan

Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. As many banks are engaged in this business, consumers have a relatively large choice.

However, banks have different requirements for mortgaged real estate in terms of house price, house age and real estate area. Consumers must do their homework before applying. If an individual owns one or more properties, he can try to apply, which will not only get more loans, but also have a longer term. However, the specific loan amount depends on the bank's review of consumers' personal qualifications and real estate status (geographical location, house price, real estate area and house age).

3. Credit card home decoration installment payment

In order to better meet the needs of consumers for home improvement by stages, some banks have launched credit card home improvement by stages, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. The general limit is 6.5438+10,000-200,000, and the installment limit for individual products is 500,000. However, it should be noted that the applicants should be civil servants, teachers, full-time employees of banks, and middle and senior managers of companies with registered capital of more than 30 million. The general decoration period is 12 months, 24 months, and the longest is 36 months.

Decoration loan application requires conditions.

Decoration is the second most important thing after buying a house. Many people think that they have done enough "raiders" when applying for decoration loans, but there are various opinions on the application conditions of decoration loans online. So what are the important conditions for decoration loans? Today, the eight-yuan network will analyze it for everyone. There are many knowledge points in this article, so it is recommended to collect them first and then read them!

First of all, let's look at the terms of the decoration loan.

1 personal credit

The quickest way to test personal credit is to check the regular credit report, and the bank will review the applicant's personal qualifications. If the applicant has a bad credit record, such as the overdue record in the credit report, if the overdue record meets the bank's loan refusal standard, the bank will judge it as not passing. The importance of this condition is self-evident!

2. Occupation

Banks are more willing to issue higher decoration loans to teachers, financial IT and other customers with higher income or stable jobs.

In high-risk industries such as construction workers, the amount that the chemical industry can apply for is relatively low. This is not professional discrimination, but an important condition for the bank to judge whether the applicant has the ability to repay.

Simply put, the better the applicant's personal qualifications, the easier it is to apply for a loan in the bank, and the higher the amount of the loan applied for.

3. Age

Under normal circumstances, the age limit for applying for decoration is between 18 and 65 years old. However, if the applicant is younger or older, it will be more difficult to apply for a higher loan amount in the bank.

Banks are more willing to issue higher loan quotas to applicants aged 25 to 40. Most of these people have stable jobs and appropriate pressure, so their repayment ability is relatively sufficient.

4. Debt

Because the debt ratio is too high, it means that the loan application needs to take into account multiple repayment channels, and it will inevitably be too busy. In order to control risks, banks will also control the loan amount of such people accordingly.

5. Type of house

Bian Xiao would like to remind everyone that the loan amount that can be applied for in rough housing and hardcover housing is different.

Because from the perspective of decoration cost, the decoration cost of rough houses is higher, so when applying for decoration loans, rough houses can get a higher quota. The hardcover room has the original configuration, and the funds needed for decoration will be relatively reduced, and the amount will also be reduced.

This involves different ways of bank loans. For details, please pay attention to 8000. There are related topics in the previous content. Welcome to know.

Can the Agricultural Bank of China still borrow money from hardcover rooms and cabinets?

You can apply.

The borrower applying for the renovation loan of China Agricultural Bank must meet the following conditions:

1, housing mortgage loan has been successfully handled in Agricultural Bank of China.

2, a stable source of income, in principle, for the working class.

3. The application score must meet the admission criteria.

Those who meet the above application conditions can start to apply for the decoration loan of ABC: the customer applies for the decoration loan → the bank conducts investigation and approval → signs the loan contract and supplementary agreement → issues the loan → the borrower repays the loan principal and interest according to the agreed repayment method → goes through the loan settlement procedures.

Is the first-hand room hardcover repaired? Which is better, hardcover room or blank room?

Blank houses are more suitable.

1. First of all, it is very important and obvious that rough houses are generally cheaper than finely decorated houses.

2. In the acceptance of rough houses, it is easy to find the quality problems of houses.

3. Decorate your own house, and the decoration style and materials can be decided by yourself, which is relatively more secure.

4. The details of decoration expenses are clear at a glance, and every expenditure can be well known.