The house can still be decorated with commercial loans. However, the decoration loan is earmarked and cannot be used for other purposes. A friend of mine took out a renovation loan when he was renovating. He asked the decoration company to decorate, the budget for decoration, how much money to pay each time and the degree of decoration, and told the bank that the decoration money was also sent to him accordingly. The most important thing is that the bank can only apply if it sees the list of property fees you paid in that year.
Second, can the housing provident fund be used to decorate the house?
Housing provident fund can be used to decorate houses with loans.
Another provident fund other than buying a house must meet the following conditions:
1. The housing area required for general decoration is more than 70 square meters;
2. The room age is within 15 years.
The steps of housing provident fund loans are as follows:
1. Lenders need to submit a written application to the bank to apply for housing provident fund loans;
2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;
3. Inform the bank of the approval result in time;
4. The bank shall notify the applicant to handle the loan formalities according to the approval result of the provident fund center, and the borrower and his wife shall sign relevant contracts or agreements. After the approval of the provident fund center, the entrusted loan funds shall be allocated, and the entrusted bank shall issue the loan in full and on time;
5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
6, bank audit, examination and approval, audit, signing a loan contract and other procedures.
legal ground
Housing accumulation fund management
Twenty-fourth employees in any of the following circumstances, you can withdraw funds from the employee housing provident fund account.
(a) purchase, construction, renovation,
(2) retirement;
(3) Termination of labor relations;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
The prescribed proportion of the court's wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the value-added income in the employee housing provident fund account.
Can I get a loan for house decoration? How to decorate the house?
If you have applied for housing mortgage loan in China Merchants Bank, please contact the handling bank to apply for exclusive decoration loan for supporting house purchase; If you have your own property mortgage, you can also apply for a decoration consumer loan. Please inquire directly from the loan handling bank whether this business is carried out in your city, application conditions and other information.
Can I get a loan for house decoration? How to decorate the house?
The application procedure is quite complicated. It seems that there are many conditions, and you can apply for a mortgage loan, but the interest is higher. It is suggested that lz find a decoration company that can pay by installments, such as B&Q, which has recently launched zero-interest installment payment for contracted design and local decoration. Moreover, if their family has signed up for the decoration center in the recent tenth anniversary, they can also enjoy building materials discounts, which can save a lot of budget.