You can apply for a decoration loan at the bank.

First, the process of applying for a bank decoration loan

1. When the borrower applies for a loan for housing renovation, he must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures.

2. Sign the loan contract after investigation and approval by the account manager and approval by the competent examination and approval department.

3. The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan funds.

4. The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment.

5. After the loan is settled, the bank terminates the creditor-debtor relationship with the customer and goes through the relevant formalities.

Apply for housing renovation loans, the loan amount shall not exceed 80% of the total price of renovation contract; The loan period is generally not more than 5 years. If personal income is relatively stable and reliable, you can apply for a loan through personal credit or a secured loan guaranteed by a third party. Banks will determine the loan amount according to the credit ratings of borrowers and guarantors. When you apply for a house decoration loan, you need to provide proof of the purpose of the loan, such as providing a house decoration design and applying to a bank.

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main feature

Loan amount-approved according to the borrower's repayment ability, guarantee status and capital demand.

Loan Term-The loan term can be up to 8 years.

Loan interest rate-Fluctuates within the loan interest rate range specified by the People's Bank of China.

Processing speed-loan approval is generally completed within 1-3 working days.

Handling fee-the bank does not charge fees in the process of loan processing.

There are various ways to guarantee-mortgage, pledge and guarantee can be used.

Where can I apply for a decoration loan? Any ordinary bank will do.

Decoration loans are different from commonly used housing loans and small consumer loans, so many people may not know how to get loans or where to apply for loans. Decoration loan is actually a kind of personal consumption loan, which is only used for family housing decoration consumption, not for retail shopping. After figuring out the nature, you can know where to apply for a decoration loan. Next, let's take a look.

1. Where can I apply for a decoration loan?

Ordinary banks can apply for decoration loans, which can be pure credit personal loans or mortgage personal decoration loans.

For example, applying to China Industrial and Commercial Bank,

1. You can directly apply for ICBC's e-loan. This is an unsecured and unsecured pure credit loan. The amount ranges from 600 yuan to 800,000 yuan. Can be used for car purchase, home improvement and other purposes. You can borrow it for up to 3 years. Generally, it is 100 square meter, with a loan of150,000 or so and a monthly payment of 40,000.

2. You can also apply for personal housing consumption loans. The maximum loan amount is 6,543,800 yuan, and the loan period is long. The longest repayment can be 654.38+00 years. If you borrow 654.38+0.5 million yuan, you will pay 654.38+0.000 yuan more every month, so the economic pressure is relatively small. But you need mortgage guarantee and provide relevant mortgage proof materials.

II. Taking China Industrial and Commercial Bank as an example, the application channels are as follows.

1, official website or the official mobile app store, download the "ICBC e-life" app, "Ronge-link" app or ICBC mobile banking, and handle it by mobile phone only;

2. Log in to the personal online bank of China Industrial and Commercial Bank and apply for personal loan online;

3. Go to the business outlets of China Industrial and Commercial Bank and apply at the offline counter.

The above is about where to apply for a decoration loan, hoping to help you.

Can I apply for a bank loan for renovation?

Decoration can be done in the bank. Home improvement loan, also known as decoration loan, generally refers to a commercial loan launched by banks or other consumer finance companies, mainly personal credit loans for the purpose of family housing decoration, that is, unsecured credit loans.

At present, the single loan amount of personal housing renovation loans issued by banks should not exceed 6.5438 yuan +0.5 million yuan in principle (there are also loans exceeding 6.5438 yuan +0.5 million yuan), and at the same time, it is required that the loan amount should not exceed 50% of the total cost of renovation projects (if the renovation needs 300,000 yuan, the loan cost should not exceed 6.5438 yuan +0.5 million yuan). As a financial service provided by decoration companies, decoration loans do provide more choices for consumers with insufficient decoration expenses.

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Personal decoration loans also need to pay attention to the following aspects:

1, personal decoration loans are loans issued by banks and borrowers to decorate their own houses. Decoration mainly refers to the decoration or processing of the house with decoration materials, and the house must be its own.

2. The decoration loan in the loan has special requirements, that is, it needs to sign relevant information such as housing renovation contract and budget with the decoration enterprise recognized by relevant departments. Some banks will require owners to have certain financial support and start investing in project construction before they can use loans.

According to the regulations of the bank, personal consumption loans are generally not allowed to withdraw cash. The bank will transfer the money to the account of the decoration company.

4, the loan period is generally not more than 5 years.

Loan decoration has gradually become the "standard" of home enterprise-home-people network.

Can the bank decorate the loan?

1. Bank of China supports the application for renovation loans, but the regulations are different in different regions. I suggest you go to the business hall of China Bank for consultation. The version number of China app Android is: v7.1.3; ; The version number of Apple Android is v6. 12.2.

2. China Bank can apply for renovation loan. Generally, the materials to be prepared for an application include: valid identity documents, permanent residence certificates issued by neighborhood committees, personal identity and fixed residence certificates; Proof of professional and personal income issued by the unit, proof of stable work for six months or more in a row (or provide your monthly salary bill in recent months) to prove your repayment ability; Property certificate for mortgage of real estate (required for mortgage loan); Bank deposit statements, water and electricity tax bills and other certificates to prove their credit quality; Materials that prove the purpose of the loan, such as the decoration project contract signed with the decoration enterprise and the purchase order of decoration materials; A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the specified scope and other conditions required by the bank or financial institution.

1. Bank of China loan inquiry method: online inquiry. Users can log in to China Bank official website to check the loan progress; Counter-inquiry The borrower can check the loan progress at the business counter with the loan-related documents and his ID card; Telephone inquiry. The borrower can contact the loan officer directly to understand the approval progress. You can also call the customer service hotline 95566 for related inquiries. Because the efficiency of banks is different, the time for loan approval is fast and slow. According to the bank's approval, the first half of the year is faster and the end of the year is slower, because the bank loan quota is generally tight at the end of the year, and banks have to collect money.

2. Decoration loan is: decoration loan, also known as decoration loan, is a personal credit loan launched by banks or consumer finance companies to help realize the purpose of family housing decoration, which can be understood as unsecured credit loan. When an individual applies for a decoration loan, the bank or consumer finance company will give the individual no more than RMB 6,543,800+0.5 million and no more than RMB 50% of the total cost of the decoration project according to relevant regulations. At present, there are two ways to apply for decoration loans, personal credit loans and personal consumption loans. There is also a form of credit card installment, that is, credit card home improvement installment. Individuals can choose the way of decoration loan according to the actual situation.