The application procedure is quite complicated. It seems that there are many conditions, and you can apply for a mortgage loan, but the interest is higher. It is suggested that lz find a decoration company that can pay by installments, such as B&Q, which has recently launched zero-interest installment payment for contracted design and local decoration. Moreover, if their family has signed up for the decoration center in the recent tenth anniversary, they can also enjoy building materials discounts, which can save a lot of budget.

Second, how to borrow money to decorate the house?

1, apply for personal credit loan decoration.

This method is characterized by high requirements for applicants, that is to say, high threshold, which is tailor-made for some special industries, VIP customers and senior management of the company. It needs to examine the details of the applicant's job nature, industry and income, and generally does not need mortgage. The loan amount is 5-8 times the monthly income, and of course the interest rate will be higher.

2. Personal consumption loan decoration loan

This method is different from the former, which needs to bring documents, such as real estate and consumption, giving applicants more choices, but each bank has different requirements for applicants in terms of house price, house age and real estate area.

Applicants can do their homework in advance. If an individual owns one or more houses, he can try to apply. The loan amount is large and the term is long, but it also depends on the specific loan amount, personal qualification and real estate situation.

How to handle the renovation of housing provident fund loans?

Step 1: Apply

1. For the purchase of commercial housing and affordable housing, when signing the purchase contract with the selling unit, the selling unit shall receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount;

2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the Changchun Housing Provident Fund Management Center;

3. Buy private houses (second-hand houses) with complete property rights and apply to Changfang Replacement Guarantee Co., Ltd. ..

Step 2: Review

The unit or guarantee company will submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review.

Step 3: Sign a loan contract.

After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.

Step 4: Guarantee

1. Where the commercial housing and affordable housing built by the developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center are purchased, the developer shall undertake joint and several liability guarantee for the borrower by stages before the house is formally mortgaged;

2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center;

3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility.

Step 5: Bank loan

After the borrower has gone through all the above procedures, the Center will issue a "Decision on Granting Lending" to the entrusting bank to inform the bank to lend.

Step 6: Repayment

The borrower shall repay the bank every month according to the monthly repayment amount agreed in the loan contract.

3. Can the provident fund be loaned to decorate the house? How to call the provident fund office and say no, is there anything clear? Coordinate Qingdao

Provident funds cannot be used to decorate houses. If you withdraw the provident fund instead of. Loans can buy a house. The amount of provident fund loans can be used to buy a house instead of decorating it. This concept needs to be clarified.

No matter where, the national policy is the same. If you are satisfied with the extraction. For example, buying a house with a loan. You can apply by withdrawing the housing provident fund. The cost of repairing the house can also be calculated. If you are unemployed for more than one year, you can also withdraw the housing provident fund. If there are serious medical expenses, you can also withdraw the provident fund.

To settle abroad, you can also withdraw the provident fund to retirement age, and you can also meet the conditions for withdrawing the housing provident fund. You can withdraw the housing provident fund. The procedure is also very simple, just provide relevant materials.

The above contents are for reference only, thank you.

Fourth, how to apply for a decoration loan online?

Weizhong Bank's renovation loan can be applied online. The following are the application steps.

1. Open the website of Weizhong Bank, click Navigation Decoration Loan, and enter the registered login account.

2. After logging in, click Apply Now on the homepage of Weizhong Bank Decoration Loan to enter the perfect information.

3. According to the steps, improve the relevant information and submit it for approval.

4. After obtaining the approved quota, apply for withdrawing the amount within the quota.

Weizhong Bank Decoration Loan is a product of Weizhong Bank, which needs good credit information, stable income and repayment ability on schedule. Information needs ID card, real estate license, home improvement contract, proof of income and proof of assets.