At present, there are two kinds of decoration loans and one credit card installment form to apply for, as follows:
Apply for personal credit loan for decoration. Credit loan is unsecured and unsecured. However, at present, more than half of the credit loan products on the market have higher requirements for consumers, or the threshold for asset certification is higher, or people in specific industries, VIP customers and senior managers of the company can apply. The details of the applicant's job nature, industry and income should be strictly investigated. At present, personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank are favored by consumers. The credit loan amount of these banks is generally 5-8 times the monthly income, and of course the interest rate will be higher.
Decoration loan of personal consumption loan The consumption loan here refers to the mortgage loan with certificate, that is, the consumption loan applied for by real estate mortgage. As many banks are engaged in this business, consumers have a relatively large choice. However, banks have different requirements for mortgaged real estate in terms of house price, house age and real estate area. Consumers must do their homework before applying. If an individual owns one or more properties, he can try to apply, not only to get more loans, but also to have a longer term. However, the specific loan amount depends on the bank's review of consumers' personal qualifications and real estate status (geographical location, house price, real estate area and house age).
Credit card home improvement staging At present, in order to better meet the needs of consumers in home improvement staging, some banks have launched credit card home improvement staging business for people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. The upper limit of the general quota is 6.5438+10,000-200,000, and the maximum installment quota of a single product is 500,000. However, it should be noted that the applicants should be civil servants, teachers, full-time employees of banks, and middle and senior managers of companies with registered capital of more than 30 million. The general stage of home improvement is 12 months, 24 months, and the longest is 36 months.