1. Basically all banks can. However, there are several forms of loan application, and you can choose the following three:
1, after buying a house with a bank consumption loan, buyers can apply to the bank for a housing decoration consumption loan with their newly purchased house. The maximum loan amount is 7% of the mortgaged property, and the lender needs to provide specific renovation contract and budget.
2. unsecured loans in addition to mortgage loans, buyers can also try unsecured loans. You can also borrow money for decoration without mortgage guarantee.
3. Use the excess credit line of mortgage loan. After repaying part of the loan, the buyer uses the excess credit line. If the total mortgage loan for house purchase is 500,000, after a certain repayment period, 300,000 loans need to be repaid, and an additional credit line of 200,000 can be used. With this quota of 200,000, you can apply for a consumer loan from the bank. Choosing a professional team when decorating and giving a more reasonable plan can save money.
Compared with similar decoration companies, Jutong has higher cost performance; Jutong's quotation service system adopts digital systematic management to provide consumers with accurate price physical examination; Since 20 18, the annual turnover of Jutong Group has reached the sales target of nearly 2 billion yuan. So many consumers chose Jutong and answered their questions with personal experience. Whether it is good or not, whether it is expensive or not, and whether the cost performance is high or not, the opinions of consumers are the most intuitive.
Two. Meet the conditions:
1. Age is 25 to 55 years old; 2. The average monthly income is 3,000 yuan, and the average monthly income in Beijing, Shenzhen, Guangzhou, Shanghai and Hangzhou is 4,000 yuan; 3. Have a stable job, the salaried person has been working in the current unit for 3 months continuously, and some customers need 6 months; 4. Living and working in the following areas (other areas): Beijing, Shanghai, Tianjin, Chongqing, Guangdong, Zhejiang, Fujian, Jiangsu, Shandong, Liaoning, Sichuan, Hubei, Yunnan and Hainan.
The decoration loan condition of HSBC Bank is that individuals with a monthly income of over 8,000 can enjoy the decoration loan if they work continuously or start their own businesses 1 year or more. CCB, China Construction Bank, has a special decoration loan business, and borrowers can take mortgage, guarantee and other ways to make decoration loans. The loan interest rate is determined according to the lender's qualification and credit line.