The first question is that it is ok not to decorate, and many real estate mortgages will have an investment channel. The second problem is that private signatures are not recognized. People recognize formal decoration invoices, depending on the requirements of banks. You have to consult the bank that wants to borrow money. 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. There are two kinds of home improvement loans and a credit card installment payment form, as follows:

1, apply for personal credit loan decoration;

2. Personal consumption loan decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans 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.

Extended data

Limited mortgage

According to the provisions of the Guarantee Law and the Measures for the Administration of Urban Real Estate Mortgage, the following real estates may not be mortgaged or subject to certain restrictions.

1) Land ownership shall not be mortgaged; There are no buildings, structures and projects under construction on the ground, and the land use right obtained purely by allocation shall not be mortgaged; The land use right of township (town) village enterprises shall not be mortgaged separately.

2) The right to use collectively-owned land such as cultivated land, homestead, private plots and private hills shall not be mortgaged, except for the right to use barren hills, gullies, hills and beaches contracted according to law and agreed by the employer.

3) Real estate with disputed ownership and real estate that has been sealed up, detained, supervised or otherwise restricted according to law shall not be mortgaged.

4) Real estate used for public welfare undertakings such as education, medical care and municipal administration shall not be mortgaged.

5) Cultural relics protection buildings and other buildings with important commemorative significance shall not be mortgaged.

6) Real estate that has been announced in accordance with the law and included in the scope of demolition shall not be mortgaged.

7) The real estate purchased under the preferential policies of the state cannot be mortgaged in full, and the mortgage amount is limited to the share of the disposition and income of the real estate owner.

8) Illegal buildings or temporary buildings cannot be used for mortgage.

9) Other real estate that cannot be mortgaged according to law.

Resources Real Estate Mortgage Baidu Encyclopedia