Housing decoration can be loaned, and some banks have specialized housing decoration loan business. For example, CCB's housing installment loan: 1. Housing installment payment refers to the cardholder's application to use his credit card to purchase goods or services (including decoration, building materials, furniture, home appliances, weddings, education and training, tourism, department stores, etc.) at the housing merchants designated by CCB. ). After the approval of CCB, the cardholder pays the house payment at the merchant designated by CCB through the special installment POS equipment, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays it monthly within the agreed time limit. Second, the two modes of living by stages ① You can choose the decoration company that cooperates with CCB to contract the materials and pay the decoration company in one lump sum. ② You can also choose a number of merchants such as tiles, wallpapers, cabinets, furniture and home appliances that cooperate with CCB. Purchase materials and decorate yourself. Three. Number of installments, amount, purpose and handling fee ① Number of installments: 6 installments, 12 installment, 18 installment, 24 installment and 36 installment, each installment is one month. (2) Quota and purpose: the applied quota is more than 20,000 yuan (inclusive) 1 10,000 yuan (inclusive), and the validity period of the quota is 6 months from the loan date; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan. ③ Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer. Four. Business characteristics ① Special quota? The exclusive installment quota does not affect the use of the fixed credit card quota of customers. 2 flexible use? A number of designated cooperative merchants use it flexibly, and compared with the entrusted payment method of personal loans, customers have a wider range of consumption. ③ Simple procedures? Exclusive one-stop channel processing, customer application procedures are simple and fast.