Decoration loan, also known as decoration loan, refers to the personal credit loan launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loan. In principle, the amount of individual housing renovation loan issued by the bank shall not exceed RMB 6,543,800+0.5 million, and shall not exceed 50% of the total cost of renovation project. At present, there are two forms of home improvement loans, namely, applying for personal credit loans or personal consumption loans, decoration loans and credit card installment forms.