At present, there are two kinds of home improvement loans and a credit card installment form, as follows: 1. Apply for personal credit loan for decoration. Credit loan is unsecured and unsecured. However, at present, more than half of the credit loan products on the market have higher requirements for consumers, or the threshold for asset certification is higher, or people in specific industries, VIP customers and senior managers of the company can apply, so it is necessary to strictly examine the details of the applicant's job nature, industry, income status and so on. At present, personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank are favored by consumers. 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. Decoration loan of personal consumption loan The consumption loan here refers to the mortgage loan with certificate, that is, the consumption loan applied for by real estate mortgage. 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, 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). 3. 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, 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. 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. Consumers must be clear about the provisions of bank home improvement by stages, such as credit limit and consumption limit, 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. 4. 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. 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. Edit the application conditions of home improvement loan in this section.

1. Have local permanent residence and legal and valid identification; 2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity. 3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc. 4. For newly purchased houses, materials such as house sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again); 5. Other conditions stipulated by the Cooperation Organization. Edit the relevant data of home improvement loan in this paragraph.

According to the results of the "Household Consumption Survey of Post-80s Generation" initiated by the All-China Federation of Industry and Commerce and Sohu Home in conjunction with the mainstream media in Beijing, nearly half of post-80s white-collar workers are more inclined to decorate 30,000 to 50,000 files under the pressure of rising house prices, and the cost of home improvement has formed a considerable gap with millions of house prices. Among them, 93% buyers are willing to make installment loans for home improvement, more than 60% consumers are willing to take credit card installment loans, and more than 80% consumers hope that loans can be interest-free. It is not difficult to see that, driven by the new consumption pattern, solving the decoration problem through financial tools has become a popular way for buyers. Edit this paragraph's notes on home improvement loans.

1. If you really need to decorate your home, you can go to various districts for home ownership guarantee. If you cash out, you can find an acquaintance of the home guarantee company for help, or find a mortgage intermediary or lending institution to handle it. 2. If someone can't sign the property right certificate on the spot, it needs to be notarized, and the notarization will entrust the mortgage of the house and the right to handle the loan to others. 3. Require the balance in the provident fund account of the main lender to be sufficient, generally 40% of the loan amount 1, and deposit it continuously for 6 months. Insufficient balance may lead to an increase in processing costs. 4. Generally, it is required that the area of the house to be renovated is more than 70 square meters. If the unit is good, it can be relaxed appropriately. The best room age is within 15 years, and it can be appropriately relaxed to 20 years if the unit is good. Failure to meet the above standards will lead to an increase in processing costs. 5. Shop around when handling, especially when the unit is normal. Generally, it is not difficult to apply for provident fund renovation loans. Any intermediary can do it and see which price is more affordable! 6. At present, the loan amount for renovation of provident fund is generally 1 1,000 yuan per square meter, which may be relaxed to 2,000 yuan per square meter in the future. And once it is opened to 2000 yuan per square meter, the handling fee will increase relatively. 7. Like normal commercial loans, decoration loans generally require the lender to have a good credit record. In the past, there should not be too many overdue records of credit repayment, otherwise the processing cost will increase. 8. Only after the renovation loan is paid off can you apply for a new provident fund housing loan. Therefore, if there is a demand for housing in the short term, it is not easy to make a provident fund decoration loan. 9. The loan was renovated two months ago, and cash needs to be deposited in the repayment account before it can be offset by the provident fund. After you get the loan, don't take all the money in your account, and leave a repayment limit of at least two months to avoid default. Edit this paragraph of CCB's home improvement installment business.

The cardholder applies to use his/her credit card (including Longka dual-currency credit card and Longka RMB credit card) to purchase goods or services in the cooperative home improvement merchants of CCB. After the approval of CCB, the cardholder pays the home improvement payment at the home improvement merchants of CCB through the special phased POS machine, and the corresponding transaction amount is divided into several periods on average. The cardholder shall repay the loan on a monthly basis within the agreed time limit and pay a certain handling fee as appropriate.

Features of CCB's home improvement installment business: convenient procedures. The storefronts of home improvement businesses can be accepted, and there is no need to sign complicated procedures. Preferential price. The discount of cooperative merchants is much lower than the bank loan interest rate in the same period. Exclusive quota. The maximum installment amount of home improvement can reach 200,000 yuan, which does not occupy the normal credit line. Flexible deadlines. Repay in installments for up to 24 months, and enjoy a warm home in advance. Easy financial management. The same goods in the store, the same price, the same benefits.