because ICBC stipulates that the renovation loan process generally includes five stages: application, acceptance, investigation, approval, distribution and repayment, other loan procedures can only be taken after the water and electricity of the rough house are inspected.
home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of home decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing renovation loans issued by banks shall not exceed 15, yuan, and shall not exceed 5% of the total cost of renovation projects.
At present, there are two kinds of home improvement loans and a credit card installment form to apply for, as follows: 1. Apply for personal credit loans to decorate; 2. Decoration loan for personal consumption loan. The consumer loan here refers to the loan holding period, the shortest period is half a year and the longest period is 5 years (including 5 years); 3. Credit card home improvement staging; 4. In addition to the traditional way of bank loans, loans from consumer finance companies are also one of the options.