No. According to the query of relevant public information, the annual interest rate of decoration loans is around 4.65, and the annual interest rate of home loans is between 2.75 and 4.9. From the interest rate point of view, the two are similar. The decoration loans are equal interest, and the interest will not increase with the loan. The principal decreases due to the decrease. Shell decoration loans are launched by banks or consumer finance companies and are used as personal credit loans for home decoration.