After providing real estate mortgage, you can apply for a loan for decoration or other consumption methods. Mortgage loan, the loan amount is relatively high, and the loan interest rate is low. Loans that provide collateral will have lower requirements on the borrower's income and bank flow. At present, all major banks accept real estate mortgage consumer loans. If the property is mortgaged, you can apply for a renovation loan from the mortgage bank, and the loan amount is related to the existing residual value of the house (residual value is the house price minus the remaining mortgage loan).

Second, unsecured renovation loans.

To apply for unsecured decoration loans, you can apply to banks, microfinance companies, consumer finance companies and other institutions. Unsecured bank loans have higher requirements for borrowers. In addition to good credit, they usually have higher requirements for the borrower's occupation and work unit. The loan requirements of microfinance companies and consumer finance companies are relatively low, requiring stable income, good bank flow, good credit and so on. Compared with mortgage loan, unsecured loan has lower amount, higher interest rate and shorter loan term.

Third, credit cards have the functions of cash withdrawal and installment payment, but the general credit card amount is not high, so it is difficult to meet the funds needed for decoration. Some banks have introduced installment payment for decoration, and the application amount can be higher than the original amount. However, credit card home improvement is staged, and the decoration companies that can be selected are extremely limited.