First, apply for personal credit loan decoration; 2. Personal consumption loan decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
2. There are two decoration loans and one credit card installment form that can be applied, as follows: 1. Apply for personal credit loan for decoration, and the credit loan is unsecured and unsecured. However, more than half of the credit loan products in the market have higher requirements for consumers, or the threshold for asset certification is higher, or people in specific industries, VIP customers and senior management personnel of the company can apply. The details of the applicant's job nature, industry and income should be strictly examined. Consumers prefer personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank. The credit loan amount of these banks is generally 5-8 times the monthly income, and of course the interest rate will be higher. 2. Personal consumption loan decoration loan. The consumer loan here refers to the secured mortgage loan, that is, the consumer loan applied for by the mortgage of real estate. As many banks are engaged in this business, consumers have a relatively large choice.
Third, banks have different requirements for mortgaged properties in terms of house price, house age and house area, so consumers must do their homework before applying. If an individual owns one or more properties, he can try to apply, not only to get more loans, but also to have a longer term. However, the specific loan amount depends on the bank's review of consumers' personal qualifications and real estate status (geographical location, house price, real estate area and house age).
Fourth, credit card home improvement staging
In order to better meet the needs of consumers for home improvement by stages, some banks have launched credit card home improvement by stages, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. The upper limit of the general quota is 6.5438+10,000-200,000, and the maximum installment quota of a single product is 500,000. However, it should be noted that the applicants should be civil servants, teachers, full-time employees of banks, and middle and senior managers of companies with registered capital of more than 30 million. The general stage of home improvement is 12 months, 24 months, and the longest is 36 months. For the list of domestic banks that can apply for home improvement by stages, please check the personal loan product selection of Easy Loan China in 2009.
Fifth, applying for credit card installment home improvement will also be subject to certain restrictions, that is, the services and products selected by consumers must be cooperative merchants of banks. If the selected merchants are not among the cooperative merchants of home improvement staging, they cannot apply for staging. With prerequisites, what other conditions do applicants need? Real estate! As a mortgage guarantee, buyers need to provide real estate licenses or real estate sales or pre-sale contracts, purchase invoices, bank loan contracts, etc.
Sixth, consumers must be clear about the various provisions of bank home improvement staging, such as credit line and consumption line, repayment problem, liquidated damages and other issues. Once you have handled the credit card home improvement stage, you should also pay attention to product quality and after-sales service. After all, once the money is given, it is easy to solve the quality problems in the decoration process in time.
Seven. Loans from consumer finance companies
In addition to traditional bank loans, loans from consumer finance companies are also one of the options. Consumer finance companies provide personalized financial products for customers such as commercial banks and credit cards. In fact, this kind of consumer credit has existed in foreign market economy for more than 400 years, and the relevant laws and regulations on consumer credit have been quite perfect. Different credit has different targeted laws to regulate it. However, China's consumer credit laws are not perfect and the market maturity needs to be improved. After being transplanted from abroad to China, consumer finance companies need to continue to explore ways in concrete practice.
8. Consumer loans (durable consumer goods and general consumption purposes) provided by consumer finance companies shall not exceed 5 times of personal monthly income. The guarantee method is unsecured and unsecured, so consumers do not have to worry too much about the guarantee method. Due to the inherent advantages of fast loan approval and short loan cycle, consumer finance companies have largely made up for the slow approval of bank loans. Encourage and guide financial institutions to increase innovation in consumer credit products. In 2006, CITIC Bank and China Bank launched individual housing loans with fixed interest rate and floating interest rate, Guangdong Branch of Agricultural Bank, China Everbright Bank and China Merchants Bank successively launched fixed interest rate mortgage loans and mixed interest rate loans, and Shanghai Pudong Development Bank launched consumer loan products such as "universal repayment method". Increase investment in housing renovation loans and large-scale durable consumer goods loans. In the whole year, loans for housing renovation increased by 765.438 billion yuan, and loans for large-scale durable consumer goods increased by 727 million yuan, effectively stimulating the rapid growth of related consumer markets.