You can apply for a decoration loan, but not the house you just bought. It will take a month or two to pay it back. Two months ago, my mother applied for a renovation loan from CCB, with a monthly interest rate of only 3.4%, but she could not apply directly in the bank. The bank recommended the guarantee contract and guarantee agreement signed by the decoration loan guarantee company to apply. The guarantee company told us that there will be 6.6% comprehensive interest plus guarantee fee, 5% deposit and several hundred investigation and evaluation fees. Still relatively low. She is also an account of a county, but the second-hand house mortgaged by Bank of Communications, which is four kilometers away from Nanping, has been returned for half a year. Hukou and district/county do not affect, but she applied for 250,000 as a teacher.

They still guarantee a good loan, but there are still a lot of application materials, and it is a bit troublesome for bank personnel to conduct on-site investigations.