It should be similar to a house loan. First, determine the decoration budget with the decoration company. At the same time, contact the bank and bring your household registration book, ID card and proof of income. If the bank agrees to the loan, you can go to the bank to sign a loan contract and use renovation contract as a mortgage. The details of each bank are different, so you should ask the bank clearly. The general bank may not give you a small decoration loan. After buying a house, you will naturally think of decoration. But most families will spend a lot of savings when buying a house, so it is more difficult to spend money on decoration. At this time, you can actually consider applying for a decoration loan. So, how to get a decoration loan?

1, house mortgage. If the borrower owns the mortgage of the house, he can apply for a decoration loan with the house as collateral. The advantage of applying for decoration loan with real estate mortgage is that the interest is not high and the amount is high. The disadvantage is that there must be real estate as collateral, and there are many audit steps to handle, which takes a relatively long time.

2. Personal credit loan. If the borrower has a stable and legal source of income, he can apply for a personal credit loan and decorate it with a credit loan line. Personal credit loan approval speed is faster, but the general amount will not be very high.

3. credit card installment payment. If your decoration company cooperates with a bank and you use this bank's credit card, you can use the credit card to get a decoration loan in installments. The advantage of credit card installment is that the approval process is convenient and simple. However, if you want to use a credit card for installment, you must have the cooperation between the decoration company and the bank. Decoration loan:

Also known as home improvement loan, it refers to the personal credit loan launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loan.

Loan amount:

In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed 50% of the total cost of renovation project.

How to apply:

1, apply for personal credit loan decoration;

2. Personal consumption loans: consumer loans applied for by real estate mortgage; 3. Credit card home improvement installment: apply for credit card cash installment and choose home improvement building materials; 4. Internet finance application: apply for a loan from a finance company.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

How should I apply for a decoration loan?

When you buy a house, you are really happy and excited, but if you find that the money is not enough when you are about to decorate, do you know how to decorate it? Here is how to apply for the decoration loan I arranged for you. I hope it will help you.

How to apply for a decoration loan

1, apply for personal credit loan decoration;

2. Personal consumption loans: consumer loans applied for by real estate mortgage;

3. Credit card home improvement installment: apply for credit card cash installment and choose home improvement building materials;

4. Internet finance application: apply for a loan from a finance company.

How to apply for a loan for the house decoration of CCB?

I. Installment payment business

Refers to the business that the cardholder applies to use the credit card to settle in the merchants designated by CCB, including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc. After the approval of CCB, the cardholder pays the settlement money at the merchants designated by CCB through the special installment POS machine, and the corresponding transaction amount is divided into several installments on average. The cardholder repays the money every month within the agreed time limit and pays a certain handling fee.

Second, two housing modes in stages.

(1) You can choose a decoration company that cooperates with CCB to contract materials and pay the decoration company in one lump sum.

② At the same time, you can choose ceramic tiles, tablecloths, cabinets, furniture, home appliances and many other businesses. Cooperate with CCB to purchase materials for decoration.

Three. Number of installments, amount, purpose and handling fee

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

(2) Quota and purpose: the applied quota is 20,000 yuan or more and 6,543.8+0,000 yuan or less, and the validity period of the quota is 6 months from the loan date; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan.

③ Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer.

Fourth, business characteristics

① Special credit line-exclusive installment credit line, which does not affect customers' use of fixed credit card line.

(2) Flexible use-A number of designated cooperative merchants use it flexibly. Compared with the entrusted payment method of personal loans, customers have a wider range of consumption.

③ Simple procedures-exclusive one-stop channel for handling, and customers' application procedures are simple and quick.

Verb (abbreviation for verb) Information required for customer application.

① Application Form for Installment Payment of Longka Credit Card;

② Identification;

(3) Copies of credit cards of China Construction Bank of both parties;

4. Financial certificate;

5 real estate license;

⑥ Letter of Commitment for the installment payment of Longka Credit Card;

⑦ Face-to-face questionnaire for installment payment of Longka credit card.

Note: the applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc.

Lending and use of intransitive verbs

① After CCB receives the customer's complete application materials, it can pay by credit card. It takes about 18 working days for customers with cards and 15 working days for customers without cards.

(2) In the process of examination and approval, CCB staff should contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact telephone number open after submitting the application, so as not to affect the time limit for examination and approval.

(3) After approval, CCB will notify the cardholder of the credit line by SMS and telephone. The cardholder takes the CCB credit card to the cooperative merchant and pays by swiping the card with the CCB POS machine. The special amount can be used several times according to the progress of the renovation project, but the amount of credit card swiping each time cannot be less than 1 1,000 yuan. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card.

Seven. Charge and repayment

① The "0" interest, "0" down payment and handling fee of the housing installment payment business will be collected in one lump sum at the time of the first repayment, and the unused amount will not be paid.

(2) For example, the customer swipes the card for one year at 16, with the interest rate of 3.5%, the billing date is 17 June, and the due repayment date is the 7th of the following month. The total amount to be repaid in the first repayment = 65438+100000 yuan * 3.5%+65438+1000000 yuan/12 = 3500+8334 yuan.

Demand process of personal housing commercial loan

1 First of all, everyone should go to the bank to inquire whether they meet the loan conditions and what information they need to apply for a loan.

Sign a house purchase contract with the developer and pay the down payment.

Fill in the loan application form and submit other materials required by the bank. Usually, the developer will cooperate with the relevant bank, and the bank will assign a lawyer to handle it on the spot, so you only need to submit the relevant information in the developer's office.

4. Entrust a law firm designated by the bank to conduct credit review. This is a crucial step, because banks need to determine whether buyers are eligible for loans. After reviewing personal credit, lawyers will issue personal credit legal opinions to banks for reference when deciding whether to lend.

Bank audit is mainly to review the information submitted by the buyers and the opinions of lawyers, and then decide whether to provide loans to the applicants.

Sign loan contract and authorization for transfer and deduction.

7 go through the insurance formalities. The borrower, that is, the property buyer, should handle the property insurance of the mortgaged house with the designated insurance company. Generally speaking, banks will handle this procedure for buyers.

8. Handle the mortgage registration of house property rights. If you buy an auction house, go to the local real estate registration center for pre-mortgage registration; If the existing house needs to be mortgaged, the borrower shall go through the mortgage registration formalities at the real estate registration center after obtaining the real estate ownership certificate.

How to handle the bank decoration loan?

Housing renovation loan application process:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.

4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.