It is more affordable to choose large state-owned banks for decoration loans, such as China Construction Bank, Bank of China and China Merchants Bank. Because it is safer and the interest rate is more transparent, but the pass rate is not as high as that of small commercial banks. There is no absolute difference between the two, and everyone chooses according to their own situation. Decoration loans from state-owned banks in the market are more popular with the public. After all, these are big banks supported by the state, which are relatively formal in all aspects and have lower interest rates than commercial banks.

Almost all large and small banks have decoration loans with similar interest rates, but the application threshold of commercial banks will be more relaxed. In fact, it is not difficult to apply for decoration loans in state-owned banks or joint-stock commercial banks as long as the borrower has good qualifications.

Relevant terms of decoration loan:

1 The approval rate and approval speed of banks will be affected by the qualifications of borrowers.

Decoration loan belongs to credit loan, which attaches great importance to the borrower's reputation.

Lenders should have stable working income and high-quality work units.

If the borrower's debt is too high, the bank will reduce the loan amount or even refuse to approve the loan directly.

5 need to prepare a valid personal identity card, household registration book, and bank flow in the last six months.

When choosing a bank for decoration loan, we can compare it from these aspects: comparing the application threshold, comparing the loan period and comparing the loan amount. Compare several banks and choose the one that suits you best.

Which microfinance platform is reliable?

Qianhua is a small loan product owned by Du Xiaoman. The maximum amount that users can apply for is 20,000 yuan, and they can apply for a loan only by providing relevant information such as ID card and mobile phone number. College students can't apply, the minimum daily interest rate is 0.02%, and the approval is extremely fast, and the account can be received in 5 minutes at the earliest.

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