1. Can I get a loan for decoration or can I pay for it in installments?

Is it possible to get a loan for house decoration? Some banks have special loan business for house decoration.

For example, CCB’s Anju installment loan:

1. Anju installment business

Refers to the cardholder’s application to use his credit card at CCB’s designated Anju merchants (specifically including : Decoration, building materials, furniture, home furnishings, home appliances, weddings, education and training, tourism, department stores, etc.) to purchase goods or services, after approval by CCB, the cardholder will pay for housing through special installment POS machines at CCB designated merchants, and the corresponding transaction amount will be an average It is divided into several installments, and the cardholder repays the loan monthly within the agreed period and pays a certain handling fee.

2. Two modes of housing installments

① You can choose a decoration company that cooperates with China Construction Bank to contract the work and materials, and pay the decoration company in one lump sum.

② You can also choose multiple tiles, wallpapers, cabinets, furniture, home appliances and other merchants that cooperate with CCB at the same time, purchase materials, and decorate by yourself.

3. Number of periods, quota and usage, handling fees

①Number of periods: 6, 12, 18, 24, 36, each period is one month.

②Amount and use: The application limit is more than 20,000 yuan (inclusive) and less than 1 million (inclusive). The limit is valid for 6 months from the date of loan; the card can be swiped multiple times at different merchants, but The amount of each card swipe must not be less than 1,000 yuan.

③ Handling fee: The total handling fee is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years, and 12% for 3 years. The merchant will bear a high handling fee. 1%, the rest of the handling fee is borne by the customer.

IV. Business Features

①Special quota - Exclusive installment quota, which does not affect the use of the customer's fixed credit card limit.

② Flexible use - Flexible use by multiple designated cooperative merchants. Compared with the entrusted payment method of personal loans, the scope of customer consumption is wider.

③Simple procedures - Exclusive one-stop channel processing, customer application procedures are simple and fast.

5. Information required for customer application

①"Application Form for Longka Credit Card Anju Installment Business";

②Proof of identity;

③Copy of China Construction Bank credit card (front and back);

④Proof of financial resources;

⑤Proof of real estate;

⑥"Long Card Credit Card Anju Installment Business" Letter of Commitment for Limit Usage";

⑦"Long Card Credit Card Anju Installment Business Interview Questionnaire".

Note: Applicants who need to renovate their houses must be the owner himself and the owner’s spouse, parents, children, etc.

6. Loan and use

① From the time CCB receives the customer’s complete application information to the time the credit is credited, you can pay by credit card. It takes about 10 working days for customers with a card and for customers without a card. It takes about 15 working days.

② During the approval process, CCB staff need to contact the applicant to check the relevant information of the application. Applicants are requested to keep their contact number open after submitting the application to avoid affecting the timeliness of the approval.

③After approval, CCB will notify the cardholder via text message or phone call that the credit limit has been received. Cardholders take CCB credit cards to cooperative merchants and use CCB's dedicated POS machines to pay with their cards. The special quota can be used in installments according to the progress of the renovation project, but the amount of each card swipe cannot be less than 1,000 yuan. At the same time, please pay attention to check the number of installments and handling fees listed on the POS receipt after swiping the card.

7. Handling fee collection and repayment

① Anju installment payment business "0" interest, "0" down payment, handling fee will be collected in one lump sum when repaying the first installment, the amount No handling fee will be paid if you don’t use it after receiving the account.

② For example: The customer swiped the card on the 16th to purchase a one-year Anju installment of 100,000 yuan, with a handling fee of 3.5%. The billing date is the 17th of each month, and the due repayment date is the 7th of the following month. The total amount required for the first repayment = 100,000 yuan 3.5% 100,000 yuan / 12 = 35008334 = 11,834 yuan, and each repayment in the next 11 months will be 8,334 yuan.

2. Can I get a loan for renovation or can I pay for renovation in installments?

Is it possible to get a loan for renovation or pay for renovation in installments?

Introduction:

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 decoration loans issued by banks shall not exceed RMB 150,000, and shall not exceed 50% of the total cost of the decoration project.

There are currently two types of loans and one credit card installment form that you can apply for for decoration loans, as follows:

1. Apply for a personal credit loan for decoration;

2 , Personal consumption loans and decoration loans;

3. Credit card home improvement installments;

4. Consumer finance company loans.

3. Can I buy home appliances on JD.com with a decoration loan?

Renovation loans can be used to purchase home appliances online.

After the renovation loan is approved, the bank will mail you a home improvement installment card, and the renovation loan will be credited to this home improvement card.

You can use this home improvement installment card to bind Taobao or JD.com to buy home appliances on it.

In addition to buying appliances, you can also buy building materials and furniture.

As long as it is decoration-related items, you can basically buy them.

Of course, if you don’t want to shop online, you can also go to a physical store to pay with your card.

4. Can the money for restaurant decoration be paid in installments?

If you plan to apply for it with our bank, you can apply in the following ways: 1. If you have applied for a housing mortgage with our bank For loans, please contact the handling bank and apply for an exclusive decoration loan for supporting home purchases; 2. If you have your own property mortgage, you can also apply for a consumer loan for decoration. For specific information such as whether this business is available in your city and the application conditions, please check directly with the loan agency.