In today's society, buying a house has become almost everyone's demand. I finally saved enough money to buy a suite, and after buying a house, I found that I had almost no savings. What about the decoration of the house? Don't worry, the decoration loan will help you. Next, China Travel. Bian Xiao introduces three ways to apply for personal housing renovation loans, which you can choose according to your actual situation. Application method of personal housing decoration loan 1: After buying a house with bank consumption loan, the buyer can apply for personal housing decoration loan from the bank with the newly purchased house. The loan amount is capped at 7% of the mortgaged property valuation, and the lender needs to provide specific renovation contract and budget. Personal housing renovation loan application method 2: unsecured loans In addition to mortgage loans, property buyers can also try unsecured loans. You can also borrow money for decoration without mortgage guarantee. Cash loans and happiness loans promoted by foreign banks such as Standard Chartered and Citigroup are unsecured loans, which can be handled only by providing corresponding income certificates and other documents, and can be used for decoration, car purchase and tourism. , the maximum loan is 500,000. Personal housing renovation loan application method 3: use the excess mortgage credit line. After repaying part of the loan, the buyer uses the excess credit line. If the total mortgage loan for house purchase is 500,000, after a certain repayment period, 300,000 loans need to be repaid, and an additional credit line of 200,000 can be used. With this amount of 200,000, you can apply for a decoration loan from the bank. After buying a house, it is natural to decorate it well. By applying for a house decoration loan,