One: Industrial and Commercial Bank of China: ICBC provides decoration loans, which can be decorated with provident fund loans, which is very convenient. Secondly, mortgage is most suitable for ICBC's existing mortgage customers. Applying for a decoration loan in the name of a mortgaged house is a secondary mortgage, not a credit. The amount is about 15% of the property value, and the annualized interest rate is 2.7%. The provident fund is also very low, and the loan period is 5 years. The interest rate of commercial banks is the lowest, which is lower than the mortgage interest rate.

II. China Construction Bank: The monthly interest rate is between 0.27% and 0.37%, and the repayment period is 5 years. No mortgage is needed, it is a pure credit loan. CCB is a better bank for decoration loans. There are several options for the renovation loan of CCB, such as CCB credit card scheme, provident fund scheme or running water scheme. The existing customers of CCB's mortgage and credit card customers are high-quality customers, regardless of traffic. The credit card quota of CCB has been expanded by 6 times, and the base of provident fund has been expanded by about 50 times. The simple flow plan depends on the interest settlement flow, and the requirements are relatively high.