First of all, you can decorate the loan application process for lack of money.

Family decoration loan is a RMB loan issued by banks to individuals for family decoration of their own houses. Loans have been initiated in several banks, and loans must provide effective pledge, mortgage or third-party guarantee. Under normal circumstances, banks only use mortgages. In principle, the loan amount for home decoration shall not exceed 6.5438+0.5 million yuan, and shall not exceed 70% of the total cost of the decoration project, and the longest loan period shall not exceed 5 years. The expected annualized interest rate of the loan is subject to the expected annualized interest rate stipulated by the People's Bank of China. Let's see what the decoration loan process is. 1. Fill in the personal housing renovation loan application form. 2. Provide valid certificates and photocopies (valid residence certificates such as resident ID card and household registration book). 3. Home decoration project contract. Proof of economic income recognized by the bank. Provide housing property certificate or housing sales contract or commercial housing pre-sale contract. 6. Mortgage guarantee information: list of collateral, ownership certificate (pledge of property owner) and collateral evaluation report. 7. Finally, what is the process of waiting for the bank to approve the renovation loan? We already know that the target of family decoration loans is residents who have full capacity for civil conduct, own their own houses and have effective residency rights. To apply for a house decoration loan in a bank, you must go through the following procedures (using a mortgage loan). We still choose the loan method that suits us.

Second, what if the decoration is short of money? Qingdao decoration loan and credit card installment application guide

At present, there are two kinds of feasible decoration loans: one is personal consumption decoration loan, and the other is credit card installment ~ Please see the following for specific requirements: decoration loan has loan and credit card installment forms, as follows: 1. Personal consumption loan decoration loan The consumption loan here refers to the secured mortgage loan, that is, the consumption loan applied for with real estate as collateral. As many banks are engaged in this business, consumers have a relatively large choice. However, banks have different requirements for mortgaged real estate in terms of house price, house age and real estate area. Consumers must do their homework before applying. If an individual owns one or more properties, he can try to apply, which will not only get more loans, but also 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). 2. Credit card home improvement staging At present, in order to better meet consumers' demand for home improvement staging, some banks have launched credit card home improvement staging business, mainly 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 general limit is 6.5438+10,000-200,000, and the installment limit for individual products 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 decoration period is 12 months, 24 months, and the longest is 36 months. 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 the prerequisites, what other requirements does the applicant need? Real estate! As collateral, buyers need to provide real estate licenses or real estate sales or pre-sale contracts, purchase invoices, bank loan contracts, etc. Consumers must be clear about the provisions of bank home improvement stages, such as credit line and consumption line, repayment problem, liquidated damages and other issues. Once you apply for credit card installment payment, you should also pay attention to product quality and after-sales service. After all, the money has been given, and once there are quality problems in the decoration process, it is easy to solve them in time. Index: 1, Qingdao decoration loan and credit card installment introduction 2, advantages and disadvantages analysis of Qingdao personal consumption decoration loan and credit card installment 3, application conditions and materials of Qingdao decoration loan 4, China Merchants Bank: there are a few cooperative merchants. 5. Industrial and Commercial Bank of China: Personal comprehensive consumer loans are OK. 6. Bank of China: Alas, you can basically ignore his family. 7. Bank of Communications: Well, it is more reliable. There are many cooperative businesses! 9. Agricultural Bank: Loans and special installment credit cards are good, so 10 can be considered. China CITIC Bank: Other banks with no related business are gradually adding ~