Hello, in principle, the single loan amount of personal housing renovation loan issued by our bank does not exceed 654.38 yuan +0.5 million yuan, and does not exceed 50% of the total cost of renovation project. But the loan channels you choose are different, and the amount you can apply for is different.

I. Personal decoration loan

1, unsecured credit decoration loan

The loan amount of bank credit decoration is generally 5-8 times of the monthly income, and there is no mortgage or guarantee, but it has high requirements for the borrower's credit information. Banks will strictly examine the details of the applicant's job nature, industry, income, etc. Generally, only people in specific industries, VIP customers, and senior management of the company can apply. You can also try unsecured Internet brand credit products. For example, Youhuahua is the original Baidu financial credit service brand with transparent interest rate and trustworthy. Youhua Huawei Volkswagen provides personal consumer credit services and creates an innovative consumer credit model. The application materials are simple, the fastest time is 30 seconds, the fastest time is 3 minutes, and the maximum loanable amount is 200,000. It can be repaid in advance, and the loan can be recycled after repayment.

2. Mortgage decoration loan

Mortgage decoration loan is also a decoration loan applied for by real estate mortgage. There are many banks to carry out this business, and consumers have more choices. The general loan amount shall not exceed 70% of the appraised value of the mortgaged real estate. If mortgage is adopted, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate. If there is a guarantor, the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan.

Second, credit card home improvement staging

In order to better meet the needs of consumers for home improvement by stages, some banks have launched credit card home improvement by stages, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. Generally, the loan amount that can be handled is 6.5438+10,000-200,000, and the maximum installment amount of a single product is 500,000. How much can I borrow for the decoration loan? Depending on the loan method you choose, the amount is different. But the specific amount still depends on the applicant's personal qualifications and repayment ability.

Click on the bottom of the mobile phone to calculate the amount immediately, and the maximum loan amount is 200,000.

2. How much can I borrow from ICBC's personal decoration loan?

In Kunming, it can reach up to 300,000, but I don't know about other places.

3. How much can I borrow from ICBC's personal decoration loan?

ICBC's personal housing consumption loan, the maximum loan amount can reach 6.5438+0 million yuan.

(Answer time: 2065438+July 9, 2009. In case of business changes, please refer to the actual situation. )

4. What are the conditions for ICBC to apply for renovation loans?

ICBC decoration loan application conditions are as follows:

1. The applicant should be between 18 and 65 years old and have full capacity for civil conduct;

2. The applicant has a fixed residence or permanent identity certificate at the place where the loan bank is located;

3. The applicant has a stable job and income, and has the ability to repay the principal and interest of the loan in full and on time;

4. The applicant has good personal credit and no bad credit record;

5. The applicant has opened a personal settlement account in China Industrial and Commercial Bank;

6. Being able to provide legal and effective guarantee recognized by the bank;

7. The applicant has a clear and legal loan purpose and decoration agreement.