1. Which bank can apply for a renovation loan

If there is a local branch of China Merchants Bank, you can try to apply for a renovation loan through China Merchants Bank. You can apply in the following ways:

If you have applied for a housing loan with China Merchants Bank, you can contact the handling bank and apply for an exclusive decoration loan for supporting house purchases at the same time;

If you have not applied for a housing loan with China Merchants Bank, you can also use your own unmortgaged and unsecured loan. Real estate mortgage, apply for consumer loans for renovation.

For specific information such as whether this business is carried out in your city and the application conditions, please directly verify with the loan agency.

2. Which bank has renovation loan business

Basically all banks can handle it. However, the following loan requirements need to be met:

The first is the application conditions. The borrower must meet the application requirements before they can apply for the decoration loan product. Mainly include: the borrower's age is between 18 and 55 years old; there is a local commercial house in the borrower's name, the house is no more than 15 years old, and the area is more than 50 square meters; the renovation loan can only be applied for if the loan is for a local commercial house. However, loan requirements are not constant, so when choosing a loan product, you should first consult the lending institution’s requirements.

The second is the loan information. Generally speaking, the decoration loan information mainly includes: the borrower’s original ID card (copy); real estate certificate/mortgage contract; social security payment details for the past 6 consecutive months; continuous Bank statements in the past six months, and if there are other documents, must be prepared, such as proof of employment, proof of income, etc.

Loan application process:

1). The borrower applies for a personal loan at the lending bank and submits the application information. After receiving the information, the bank calls the borrower. At this time, the borrower You can inquire in detail about the information required for borrowing or other related content. 2). The borrower brings the information to the bank to submit the application. The bank staff will verify the information submitted by the borrower. 3). After the bank has passed the review, it will notify the borrower to go to the bank to sign the contract and go through the mortgage registration procedures. Wait, if there is no mortgage, you can sign the contract directly. 4). The bank issues loans and the borrower repays the loan in full and on time.

Information expansion decoration loans, also called home improvement loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of home decoration. In principle, the single loan amount of personal housing decoration loans issued by banks shall not exceed 150,000 yuan, 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 home improvement loans. The details are as follows:

1. Apply for a personal credit loan for decoration;

2. Decoration loan for personal consumption loans . The consumer loan here refers to a certified mortgage loan, that is, a consumer loan that is mortgaged and applied for using real estate. ;

3. Credit card home improvement installment;

4. Loans from consumer finance companies. In addition to the traditional route of bank loans, loans from consumer finance companies are also one of the options.

3. Which bank can apply for a renovation loan?

1. What mortgages are available for bank mortgage loans?

1.1

Real estate. Bank mortgage loans can be used to mortgage first homes, real estate factories, shops, etc. When using real estate as a mortgage loan, you generally need to appraise it first. After the appraisal, you can get a loan of up to 70 or 80% of the appraised value.

1.2