1, mortgage loan

If you have real estate, cars and other assets in your name, you can give these assets to a loan company to apply for a loan, so as to obtain funds. The amount of mortgage loans is relatively rich, and the interest rate is usually not high, which is more troublesome to handle.

2. Credit loan

If you have a stable job, stable income and good credit, you can apply for a credit loan to decorate your house. The maximum amount of credit loan is usually 10 times of monthly income.

3. credit card installment payment

If your decoration company cooperates with a bank, and you happen to be a credit card user of this bank, you can directly decorate the house by stages with your credit card. Credit card installment procedures are simple and quick to operate, which is suitable for friends who are afraid of trouble.

other

Credit line of decoration loan of China Construction Bank

The loan contract takes effect and the funds are transferred to the borrower's account. Seven. The starting point of personal durable consumer goods loan is 3000 yuan (inclusive). If the collateral is secured by mortgage, the value of the collateral shall be assessed in accordance with the relevant provisions of the Construction Bank, and the loan amount shall not exceed 70% of the assessed value of the collateral;

If it is secured by pledge, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If credit or third-party guarantee is adopted (the guarantor is a natural person or legal person), the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan.

China Construction Bank renewed the loan term.

The shortest loan period is half a year and the longest is five years (including five years).

CCB renovation loan interest rate

The loan interest rate shall be implemented according to the loan interest rate for the same period stipulated by the People's Bank of China, and may fluctuate within the scope stipulated by the People's Bank of China.

Simply put, 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. It can be seen that this is one of the branches of personal credit loan, which is a kind of loan specially used for house decoration. In other words, when applying for a loan, the bank will not only review the materials provided by the applicant, but also relatively review the applicant's credit information, so it is best for those who want to apply for a loan not to have bad records.