The longest term of the exclusive decoration loan for house purchase shall not exceed 10 year;
The maximum loan amount must meet the following conditions:
The maximum is no more than 6,543.8+0,000 yuan.
The maximum does not exceed 80% of the total decoration price.
If a professional guarantee company is used for guarantee, the loan amount shall not exceed 20% of the mortgage value of supporting individual housing loans, and the sum of individual housing loans and decoration loans shall not exceed 80% of the mortgage value of real estate.
With a natural person as the guarantee, the loan amount shall not exceed 20% of the mortgage value of supporting housing loans, and the sum of housing loans and decoration loans shall not exceed 70% of the mortgage value of real estate.
If you have a local branch of our bank and meet the loan conditions, you can try to apply to our bank.
Second, the longest renovation loan of China Bank in Fuzhou is several years.
Five years.
According to the bank loan conditions, the longest term of house decoration loan shall not exceed half a year.
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. The individual residence granted by the bank is more than 6.5438 yuan +0.5 million yuan, and at the same time%.
Third, the decoration loan can be borrowed for several years.
How to borrow a decoration loan? Which bank is more affordable? Which bank is the best deal? Which bank is good for decoration loan? All banks have decoration loan business. If we want to say the threshold for applying for loans, other commercial banks will generally be lower than the four major banks. If you want to talk about the loan application amount or interest rate, then choosing the four major banks is better than other commercial banks. The basic requirements of banks for borrowers are similar, and there is no difference between advantages and disadvantages. According to some feedback from users who have applied for decoration loans, if they are in first-and second-tier cities, it is best to choose large commercial banks to apply for loans. Because the loan amount of large commercial banks is sufficient, safe and transparent. If it is in a city below the second or third tier, it is best to choose a bank close to home to facilitate the process. The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully! Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest was also very low (the minimum annualized rate was 7.2%), and the almost 4% I got was still relatively low. All of them are put forward and divided into 12 periods. Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees. Xiaoman-Rich Flowers (the second batch) Click online measurement.
Pay special attention to the amount of money spent: 1. After the amount is spent, it should be withdrawn as soon as possible, because the amount may become invalid after a long time. 2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer. The quota can be recycled! The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage, 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply with an average monthly income of more than 4,000 yuan (provident fund, mortgage and insurance policy are all available). Click on the online calculation of Ping An New Loan. My second application is 360 IOUs. After all, it is a big platform, so I will give priority to the application. The amount is 5.5W, and the interest is similar to the money spent. 360 IOUs, with a maximum loan of 200,000! There is also a trick of clicking on the online measurement application 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan.