Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing 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. At present, there are two kinds of home improvement loans and a credit card installment form to apply for:

Apply for personal credit loan decoration;

Personal consumption loan decoration loan, in which consumption loan refers to the loan term;

The shortest half a year, the longest five years (including five years).

Application conditions:

Having a local permanent residence and a legal and valid identity certificate;

Have a proper occupation and stable income, and have the ability to repay the loan principal and interest when due;

The borrower can provide relevant asset certificates, bank statements, tax bills, etc. ;

Newly purchased houses need to provide information such as house sales contracts and purchase invoices (the original houses need to provide ownership certificates);

Other conditions stipulated by the cooperation organization.