As we all know, if you don't have enough money to buy a house, you can choose to buy it with a loan and then decorate it. Now the renovation can also be loaned, which really provides us with great convenience. At present, there are several ways to use decoration loans. Let's look at their advantages and disadvantages one by one. 1. The advantage of this kind of loan is very obvious, that is, it is more convenient to apply and there is no need to provide collateral. However, the disadvantages are also obvious, because there is no corresponding collateral, so the amount that can generally be applied for will not be too large, and the interest rate will be relatively high.

2. Real estate mortgage loan is in the form of real estate mortgage, the cost is relatively low, and because there is real estate as collateral, the interest rate is low, and the loan amount that can be obtained is also high. But because of a series of procedures such as mortgage, it takes a long time to apply for a loan in this way.

Credit card installment payment is very common now. We can not only use them for daily consumption, but also apply for installment payment. The advantage of this method is that it does not need collateral, and it is very efficient and convenient to handle. However, the disadvantage is that the scope of choice will be limited and the decoration company and the bank need to cooperate. 4. The biggest advantage of financing company loans through finance companies is that the procedures are simple and the processing is fast. Basically all decoration companies have cooperative financial companies, which are relatively selective. However, its disadvantage is that the cost is relatively high and it should be the most expensive way.

5. Provident Fund If you buy a provident fund, you can decorate it with the provident fund. Decoration through provident fund is the lowest cost way. However, the disadvantage of this method is also obvious, that is, there are certain restrictions on the amount and more complicated procedures are needed. Another important shortcoming is that not all regions support the renovation of provident funds.

The above are the common ways of decoration loans. You can choose the way that suits you according to your actual situation.

2. Is it better to apply online or offline for the renovation loan of CCB?

It is better to handle the renovation loan of CCB offline, because if you do it offline, your application materials, application procedures, application progress and so on can be completed under the full monitoring of the applicant. For the applicant, this is more reliable and trustworthy. If I say entrust others or handle it online, it will easily lead to other risks.

Third, briefly introduce the advantages and disadvantages of new house decoration loan and home improvement staging.

Usually, after buying a house, it needs decoration, but some owners have no money to decorate their new houses after borrowing money to buy a house. At this time, it is recommended to apply for a new house decoration loan or credit installment from the bank. New house decoration loans and home improvement stages are based on home improvement consumption scenarios, but they are different.

1, guarantee method At present, many banks have new housing decoration loan products. When the mortgage or pledge loan is passed, the guarantee certificate or pledge property right certificate and ownership certificate shall be provided.

Home improvement is more convenient by stages, and credit guarantee is the only demand. You don't need all the collateral, just ID cards, income certificates and other materials.

2. Only credit guarantee is used for approving the efficiency credit staging, and face-to-face signing is not required. All approval processes can be operated on the mobile phone, with simple process and fast approval speed.

There are many materials that need to be reviewed for new house decoration loans, so the approval process will be more complicated and the approval process will be longer.

3. The amount of new house decoration loan, which stipulates that the maximum amount of new house decoration loan cannot exceed 80% of the total cost, and the loan amount cannot be; If the method used is pledge guarantee, then the amount of new house decoration loan can not be very large, because someone will decide the amount of decoration loan based on the grade credit of the guarantor.

The amount of credit installment is the same.

4. The term of credit installment is relatively short, and the longest time is basically no more than 3 years.

The loan amount for new house decoration is high, and the corresponding loan period ranges from 5 years to 10 years.

New house renovation loans and credits have their own choices in stages, which can be chosen according to their own conditions. It is a kind of decoration loan with high amount, which is suitable for users with large loan amount and short term. The credit installment application has low requirements and simple procedures. If the decoration is urgent, the loan amount will not be large, and it is more appropriate to choose home improvement by stages.

4. What are the special advantages of Tuba Rabbit's decoration loan?

Tuba rabbit is just a screen name. There are many different decoration companies under his line. If you tell him your phone number and address, five companies will call to make an appointment for you. It's hard to say whether it's good or bad. Finally, the price war, talking about quality is unknown.