Are not high

1, renovation loan of China Bank.

You can choose home improvement by stages for decoration services or purchase furniture and appliances. The longest installment period is 8 years (that is, 96 installments), and no interest is charged, but the corresponding installment fee is charged according to the installment. If the cooperative home improvement installment merchants have product quality problems, they can apply for a refund, and the installment fee will be returned in proportion.

2. China Industrial and Commercial Bank Decoration Loan.

You can choose pure credit loan e for decoration, with the longest installment of 3 years, the maximum loanable amount of 800,000 yuan, and the lowest loan interest rate of LPR of 0.5%, which fluctuates with the market; You can also choose a mortgage-based housing consumption loan, with a maximum loan of 10 million yuan and a maximum repayment of10 year.

3. China Construction Bank Decoration Loan

That is, home improvement loans can provide both housing mortgage loans and home improvement consumer loans. The maximum loan amount is 6,543,800 yuan and the longest loan period is 5 years. The loan interest rate shall be subject to the provisions of CCB and the actual approval result shall prevail.

4. Decoration loan of China Agricultural Bank.

Personal comprehensive consumption loan can be selected for housing decoration consumption, with the maximum loan amount of 5 million yuan and the longest loan period of 10 year. The lowest loan interest rate can enjoy the loan market quotation in the same period, that is, LPR interest rate, and the lower limit of interest rate is very low.

2. What are the recommendations of banks with low interest on decoration loans?

At present, most domestic commercial banks provide decoration loans for users to apply for. For example, China's four major banks: China Bank, China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. As well as China Merchants Bank, Ping An Bank, Huaxia Bank and other joint-stock banks, can apply for renovation loans. If you want to apply for college students' entrepreneurial loans, applicants can choose major banks such as China Everbright Bank, Bank of Communications and Minsheng Bank to apply. When applying for college students' entrepreneurial loans, you need to provide information such as identity certificate, student ID card, ordinary passbook or bank card reconciliation list for the last 6 months.

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. Generally, you can apply for a decoration loan in three ways: bank consumption loan and credit card home improvement installment. First, the decoration loan to meet the conditions. (1) Having a local permanent residence and a legal and valid identity certificate; (2) Having a proper occupation and stable income, and being able to repay the loan on time; (3) It has no bad credit record; (four) the newly purchased houses are renovated, and the materials such as the house sales contract and purchase invoice are provided (or the original houses are renovated again, and the materials such as the house ownership certificate are provided); (5) Other conditions required by the lending bank. Two, the lender to apply for decoration loans, generally to provide the following materials to the bank. (a) a valid identity card, a certificate of permanent residence issued by the neighborhood committee, my identity and permanent residence certificate; (2) Proof of professional and personal income issued by the unit, proof of stable work for six consecutive months or more (or providing monthly salary bills in recent months) to prove its repayment ability; (3) the real estate certificate of real estate mortgage (required for mortgage loan); Bank deposit statements and water and electricity tax bills that prove their credit quality; (5) The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan; (six) a copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the designated scope; (7) Other conditions required by banks or financial institutions.

I want to borrow money to decorate my house. Which bank has a lower interest rate?

The mortgage of 43,000 yuan is more suitable, and the interest rates of various banks are different. The 5-year benchmark interest rate is 7.83%. It is recommended to consult the business outlets.

4. Which decoration loan has the lowest interest rate?

At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.

You can apply for a decoration loan in the following ways:

If you have applied for a housing loan in our bank, you can contact the handling bank to apply for an exclusive decoration loan for supporting house purchase;

If you haven't applied for a housing loan in our bank, you can also apply for a decoration consumer loan with your own property as collateral.