What should I pay attention to in housing renovation loans?
1. You need to prove that the property belongs to you. Personal housing renovation loan is a loan issued by the bank to the borrower for the renovation of its own housing. The house decoration mentioned here refers to the engineering activities of transforming and processing houses by using decoration materials, that is, the real estate must be its own.
2. Special requirements for personal housing renovation loans. There must be a renovation contract, decoration budget and related materials signed by the decoration and decoration enterprises approved by the relevant departments; Some banks also require owners to have no less than 30% of the total decoration budget, and then use the loan after investing in the project construction.
3. Term of the loan. The loan term shall not exceed five years at the longest and shall not be extended;
4. The amount of a single loan. A single loan does not exceed 70% of the decoration budget, and the proportion of pledged loans does not exceed 80% of my savings deposit;
5. Drafting renovation contract. Houses used for decoration or mortgage must be qualified in quality and clear in property rights, which are not within the scope of the demolition announcement;
6. The year when the house was renovated. The service life of the house for decoration or mortgage (i.e. the service life of the house) shall not exceed 15 years;
7. The age of the borrower. The age of the borrower plus the loan period, the male is no more than 65 years old and the female is no more than 60 years old;
8. Adjustment of national interest rate policy. In case of national interest rate adjustment, the latest benchmark interest rate shall prevail.
What are the renovation sequence processes?
1, break the wall and change the line.
After determining the decoration style of the house, the first thing to do is to remove the redundant wall surface, and then to transform all kinds of lines, including wires and water pipes, and install enough sockets and switches in appropriate positions.
2. Floor tiles and wall tiles.
When laying tiles, you need to buy a lot of raw materials to avoid running back and forth when there is not enough, which wastes the decoration time. Kitchen, bathroom and balcony had better be tiled, because tiles are relatively moisture-proof.
3, shovel wall skin, putty.
Pay attention to the wall skin must be removed, otherwise the latex paint will crack after a long time. After shoveling the wall skin, putty should be made, and then it should be aired for two or three days to let the putty powder dry thoroughly.
4, do the ground self-leveling.
Choosing the owner who lays tiles all over the house can save the step of floor self-leveling. For the owners of wood flooring, there is still no need to do floor self-leveling. After self-leveling, air it for 3 to 5 days. Before construction, doors and windows should be closed in advance, and trampling is not allowed.
5. Woodworking settled in.
After ensuring self-leveling and drying, you can start a series of woodworking work, such as making ceilings, wardrobes, shoe cabinets and hanging cabinets. The selected wood must be environmentally friendly, and glue should be used as little as possible, because glue contains a lot of formaldehyde, which is very harmful to human body.
6. The painter closes the bottom.
After all the carpentry work at home is finished, the painter can start painting the wall, and the owner can choose his favorite color to decorate the wall.
7. floor.
After all the processes are completed, you can start laying the floor. Before laying the floor, you can ask the master who customized the door to determine the size of the wooden door. Because it takes a long time to customize the wooden door, it usually takes 1 to 2 months, so you can determine the size before laying the floor.