Hello, the decoration loan can generally be 50,000 yuan, and the longest application can be 90%. 1, loan term: ordinary residential decoration room: the longest loan term shall not exceed 20 years; Loan term: the borrower's age plus male is not more than 60 years old; 2. Loan interest rate: the interest rate of individual house purchase loan for ordinary housing during the same period; 3. Loan term: The maximum interest rate for ordinary commodity housing loans for more than 5 years is 4.9%.

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. Eligible to apply for personal credit loans from banks for renovation, the maximum loan amount is generally 500,000 yuan. If you hold a credit card, it belongs to civil servants, teachers, bank employees, company executives, etc. You can also apply for a credit card installment loan from the bank. The general limit is 10 to 200,000 yuan, and the installment limit of individual products can reach 500,000 yuan.

3. How to calculate the interest of bank consumer loans is based on the loan principal, according to the loan interest rate, loan term and different repayment methods. The interest rate of bank consumer loans fluctuates on the basis of the benchmark interest rate. At present, basically all banks are floating, and the specific floating ratio varies from bank to bank. For example, the personal consumption loan interest rate of China Construction Bank has risen by at least 10%, while most banks have risen by about 30%-50%. The interest rate of unsecured consumer loans is usually higher than that of mortgage consumer loans.