Both CCB and BOC have their own renovation loans. See if your mortgage is in these two banks.

The stages of CCB and BOC are both good.

One: Industrial and Commercial Bank of China: ICBC provides decoration loans, which can be decorated with provident fund loans, which is very convenient. Secondly, mortgage is most suitable for ICBC's existing mortgage customers. Applying for decoration loan in the name of mortgaged house is a second mortgage, not a credit, and the amount is about 2.7% of the property price, and so is the provident fund. The interest rate of commercial banks is the lowest, which is lower than the mortgage interest rate.

II. China Construction Bank: The monthly interest rate is between 0.27% and 0.37%, and the repayment period is 5 years. For a bank with good credit, there are several options for the decoration loan of CCB. For example, CCB's existing credit card customers and credit card customers are high-quality customers. Regardless of traffic, CCB's credit card quota has expanded by 6 times and the provident fund base has expanded by about 50 times. Simple process planning depends on the interest settlement process and requirements.

Three: The banks that can provide renovation loans are Ping An Bank, China Bank and Agricultural Bank. Bank of China also belongs to credit, and Agricultural Bank belongs to secondary mortgage, with high and low requirements, so I won't say much here.

Four: the deposit base of the provident fund is greater than 2400, and the provident fund has been paid continuously for 2 years. The higher the deposit base of a few provident funds, the higher the amount; It is best for the company to be a public institution, or a state-owned enterprise or a large enterprise, and it is best to belong to a bank white list enterprise;

Five: The bank loan requirement is high, so the utilization rate of credit card limit is lower than 70%, and the credit card is in normal condition, and there is no overdue at present. It is best to borrow money from a banking institution.

Six: home improvement loans, also known as decoration loans, refer to personal credit loans for the purpose of bank or house decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project.

You can apply for credit card installment form as follows: 1. Apply for personal credit loan. Consumer loans here refer to consumer loans applied for with real estate as collateral. ; 3. credit card home improvement staging; 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options.

Eight: More than half of the credit loan products in the credit loan market have higher requirements for consumers, or the threshold for asset certification is higher, or people in specific industries, VIP customers and senior management personnel of the company can apply, and the details of the applicant's job nature, industry and income status. Must be strictly examined. Personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank are favored by consumers. The credit loans of these banks are -8 times, of course, the interest rate will be higher.

Second, is the renovation loan of Agricultural Bank cost-effective?

Generally speaking, it is cost-effective for lenders who need to apply for renovation loans.

Third, the house I bought is coming down. Want to borrow money for decoration, and prepare to borrow 65438+ ten thousand yuan. Which bank or loan? ...

At present, China's deposit and loan interest rates are still in a semi-regulated state. The People's Bank of China timely adjusts the benchmark interest rate according to the supply and demand of funds, but allows commercial banks to freely float the deposit and loan interest rates within the prescribed scope. Among them, the floating range of loan interest rate of commercial banks, urban credit cooperatives and other financial institutions is between 0.9%- 1.7%, that is, the highest floating range of loan interest rate on the basis of benchmark interest rate is 70%, and the floating range is 10%. Generally speaking, banks will give certain floating or preferential treatment to different loan products according to the assets and risks of loan applicants.

Although the loan interest rate can rise by up to 70%, the loan interest rate usually rises slightly because the overall monetary environment has been relatively loose. The increase of the floating range of loan interest rate comes from the strict control of credit line by commercial banks, while the positive attitude of commercial banks comes from the strengthening of the guidance of the central bank window.

Loan terms:

1。 China citizens who have a permanent residence or valid residence certificate at the place where the loan is located, are under the age of 18 -60, and have full capacity for civil conduct;

2。 Having the ability to repay the loan principal and interest on schedule;

3。 Have a good credit record and willingness to repay, and no bad credit record;

4。 The bank must have left no bad record.

5。 The monthly income is more than 2000 yuan.

You can apply for a loan if you meet the above conditions.

4. How about ABC's home improvement loan? The application must meet these conditions!

Buying a house and buying a car loan has long been the norm. Now the buying craze still exists, and the decoration problem after buying a house is also a lot of money. In fact, now more and more banks choose bank loans for decoration, and all major banks have provided home improvement loans. For example, ABC also bought home improvement loan products, so what about the home improvement loan of ABC? What conditions do I need to meet to apply?

Advantages of ABC's home improvement loan 1, pure credit loan, without mortgage and guarantee, eliminating the cumbersome process of loan. 2. The loan amount is high, up to 500,000, which can easily meet your loan demand. Because it is a credit loan, the loan procedure is relatively simple and fast. 4. Home improvement loans are flexible, and funds can be transferred to the accounts of contractors and suppliers, or directly used for credit card repayment. The application condition for home improvement loan of ABC is 1, and the customers who successfully apply for housing mortgage loan in ABC, 2. They have a steady source of income. In principle, it needs wage earners, according to the comprehensive situation. 3. The application score must meet the admission criteria. 4. Other conditions required by Agricultural Bank of China. These are the advantages and application conditions introduced by ABC's home improvement loan. The specific business types, processes and conditions shall be subject to the relevant regulations of the local branch of Agricultural Bank of China. But generally speaking, if you meet the requirements of ABC's mortgage application and maintain good repayment habits, then it is generally no problem to apply for home improvement loans. About "How about ABC's home improvement loan?" Let's call it a day. I hope I can help you.