Housing decoration can be loaned, and some banks have specialized housing decoration loan business.

For example, CCB's housing installment loan:

I. Installment payment business

Refers to the business that the cardholder applies to use his credit card to purchase goods or services (including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc.) at the merchants designated by CCB. ), and with the approval of CCB, the cardholder pays the settlement money at the merchants designated by CCB through the special installment POS machine, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays the money every month within the agreed time limit and pays a certain handling fee.

Second, two housing modes in stages.

(1) You can choose a decoration company that cooperates with CCB to contract materials and pay the decoration company in one lump sum.

② You can also choose a number of merchants such as tiles, wallpapers, cabinets, furniture and home appliances that cooperate with CCB. Purchase materials and decorate yourself.

Three. Number of installments, amount, purpose and handling fee

① Number of periods: 6 periods, 12 period, 18 period, 24 periods, 36 periods, each period is one month.

(2) Quota and purpose: the applied quota is more than 20,000 yuan (inclusive) 1 10,000 yuan (inclusive), and the validity period of the quota is 6 months from the loan date; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan.

③ Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer.

Fourth, business characteristics

① Special credit line-exclusive installment credit line, which does not affect customers' use of fixed credit card line.

(2) Flexible use-A number of designated cooperative merchants use it flexibly. Compared with the entrusted payment method of personal loans, customers have a wider range of consumption.

③ Simple procedures-exclusive one-stop channel for handling, and customers' application procedures are simple and quick.

Verb (abbreviation for verb) Information required for customer application.

① Application Form for Installment Payment of Longka Credit Card;

② Identification;

(3) Copy of CCB credit card (double-sided);

4. Financial certificate;

5 real estate license;

⑥ Letter of Commitment for the installment payment of Longka Credit Card;

⑦ Face-to-face questionnaire for installment payment of Longka credit card.

Note: the applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc.

Lending and use of intransitive verbs

① After CCB receives the customer's complete application materials, it can pay by credit card. It takes about 18 working days for customers with cards and 15 working days for customers without cards.

(2) In the process of examination and approval, CCB staff should contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact telephone number open after submitting the application, so as not to affect the time limit for examination and approval.

(3) After the approval, CCB will notify the cardholder of the credit line by SMS and telephone. The cardholder takes the CCB credit card to the cooperative merchant and pays by swiping the card with the CCB POS machine. The special amount can be used several times according to the progress of the renovation project, but the amount of credit card swiping each time cannot be less than 1 1,000 yuan. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card.

Seven. Charge and repayment

① The "0" interest, "0" down payment and handling fee of the housing installment payment business will be collected in one lump sum at the time of the first repayment, and the unused amount will not be paid.

(2) For example, the customer swipes the card for one year at 16, with the interest rate of 3.5%, the billing date is 17 June, and the due repayment date is the 7th of the following month. Total repayment amount for the first repayment = 65438+100000 yuan, 3.5% 65438+1000000 yuan/12 = 35008334 yuan =1/834 yuan,/kloc-.

Can I borrow money to buy a house and decorate it?

Users can't use decoration loans to repay their mortgages. The amount of decoration loan belongs to the exclusive amount, which can only be used to pay the expenses related to decoration, and users can't get cash directly to repay the mortgage. And even if the mortgage is successfully returned, because the loan funds are used illegally, it is easy to be monitored by the bank, and subsequent users may need to pay off all the decoration loans at one time.

Please use the loan funds strictly according to the purpose of the decoration loan, and users should bear the consequences of illegal use.

loan limit

Maximum loan amount of housing provident fund

1. The loan amount shall not exceed the borrower's family repayment ability within the loan period.

Loan amount = total monthly salary of the borrower and his/her spouse × repayment ability coefficient of employees × 12 (month )× loan period. The repayment ability coefficient of employees is determined according to the different loan years, which is 35% in 1 to 10 and 40% in1to 30 years. Total monthly salary = monthly contribution of individual account housing provident fund ÷ (unit contribution rate and individual contribution rate)

For example, the monthly housing provident fund deposit in the borrower's housing provident fund account is 160 yuan, the individual and unit deposit rates are 8%, and the monthly housing provident fund deposit in his spouse's housing provident fund account is 286 yuan, and the individual and unit deposit rates are 13%, so the borrower's monthly salary is160 ÷ (8% 8%.

2. The loan amount shall not exceed a certain percentage of the house price.

For the purchase of commercial housing, cooperative housing, affordable housing (housing) and self-built housing, the loan amount shall not exceed 70% of the house price or construction cost;

Now living in public housing, renovation of housing, overhaul of self-housing, the loan amount shall not exceed 50% of the housing price or housing repair costs;

The loan amount for purchasing private houses shall not exceed 70% of the appraised value and transaction price of the houses;

The loan amount for the replacement of public housing shall not exceed 50% of the compensation fee for the replacement of public housing assessed by the replacement enterprise, and if the property right of public housing is purchased at the same time, the loan amount shall not exceed 50% of the compensation fee for the replacement of public housing assessed and the total sales price of public housing.

On March 30, 20 15, the central bank issued a notice: households with 1 apartment and outstanding mortgage apply for commercial loans to buy ordinary self-occupied houses again, and the minimum down payment ratio will be reduced to not less than 40%; Use the provident fund loan to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; Those who own 1 apartment and have settled their mortgage will apply for provident fund loans again to buy ordinary self-occupied housing, with a minimum down payment ratio of 30%.

3, the loan amount does not exceed a certain multiple of the balance of housing provident fund deposits.

The loan amount shall not exceed 15 times of the balance of the housing provident fund paid by both husband and wife of the borrower.

Can I apply for a decoration loan at the bank?

You can apply for a decoration loan at the bank.

First, the process of applying for a bank decoration loan

1. When the borrower applies for a loan for housing renovation, he must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures.

2. Sign the loan contract after investigation and approval by the account manager and approval by the competent examination and approval department.

3. The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in our bank, so that the customer can use the loan funds.

4. The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment.

5. After the loan is settled, the bank terminates the creditor-debtor relationship with the customer and goes through the relevant formalities.

Apply for housing renovation loans, the loan amount shall not exceed 80% of the total price of renovation contract; The loan period is generally not more than 5 years. If personal income is relatively stable and reliable, you can apply for a loan through personal credit or a secured loan guaranteed by a third party. Banks will determine the loan amount according to the credit ratings of borrowers and guarantors. When you apply for a house decoration loan, you need to provide proof of the purpose of the loan, such as providing a house decoration design and applying to a bank.

Extended data

main feature

Loan amount-approved according to the borrower's repayment ability, guarantee status and capital demand.

Loan Term-The loan term can be up to 8 years.

Loan interest rate-Fluctuates within the loan interest rate range specified by the People's Bank of China.

Processing speed-loan approval is generally completed within 1-3 working days.

Handling fee-the bank does not charge fees in the process of loan processing.

There are various ways to guarantee-mortgage, pledge and guarantee can be used.