If there is a local China Merchants Bank outlet, you can try to apply for a decoration loan through China Merchants Bank. You can apply in the following ways:

If your housing loan is applied in China Merchants Bank, you can contact the handling bank to apply for a loan for exclusive decoration of supporting houses;

If you don't apply for a housing loan at China Merchants Bank, you can also apply for a decoration consumer loan with your unsecured property as collateral.

Please inquire directly from the loan handling bank whether this business is carried out in your city, application conditions and other information.

Second, how do individuals apply for decoration loans?

Prepare these materials and apply to the bank.

(1) blank room:

① ID card

② Check the archives of real estate license/house purchase contract or mortgage contract.

(3) Social security, provident fund and salary.

(2) Hardcover room:

Id card 1 piece;

(2) Property ownership certificate inquiry/house purchase contract/mortgage contract;

③ Mortgage repayment process/mortgage statement/purchase invoice;

(4) Social security, provident fund and salary.

Decoration loans mainly need liabilities, credit information, real estate and income.

There are no hard and fast rules for banks to handle decoration loans, and lenders cannot handle debts.

However, personal debt will affect the repayment ability of the lender, so it is not so easy for people with too much debt to apply for decoration loans.

However, outstanding credit card debts are included in personal liabilities. If the lender has no other debts except credit cards, the debt ratio will not exceed 50% at most, and some banks require more lenient, as long as it does not exceed 70%.

In addition, online loans are also considered liabilities and included in total liabilities.

In terms of credit information, if there are overdue loans or credit cards at present, they will be refused, and it is necessary to wait until the next credit information is normal. Usually, it can't be overdue for more than 6 times in one year and for 3 consecutive months.

If there are too many credit inquiries, they will also be rejected. How many times is asking too many questions?

The requirement of decoration loan for credit inquiry is based on half a year, and generally the number of inquiries within half a year cannot exceed 6 times. The half year here refers to the half year of a natural year (from 65438+ 10 1 to 65438+February 3 1 is a natural year).

That is, if you want to apply for a decoration loan in June 5438+February, the bank will check your credit inquiry times in June-65438+February. If you have inquired more than 6 times during this period, you need to wait until June 65438+ the following year 10 to apply.

I have an online loan, but it has never been overdue. Can I apply for a home improvement loan?

It depends on whether your online loan has been credited. If you don't get credit, the bank will judge your debt according to your income. The debt ratio reached more than 50%. That will have some impact. But it depends on what business you go to the bank for. Because of the high debt ratio, I didn't apply to Bank of Beijing for a renovation loan of 6.5438+0.5 million. If it is a consumer loan below 50,000, it will basically not affect it. I hope it will help you a little.

4. What are the procedures for personal loan to decorate the house?

The borrower is required to have a stable job and a fixed living condition of not less than 2000 yuan. About twice as much as the loan. Meet some basic application conditions of personal credit loan, such as proof of work income, water, electricity and coal bills, and three-month bank salary application. How long did it take to get the application before?

This estimate is slow.