In fact, decoration loans have this business in many banks, but the profit is relatively low compared with banks, so there is a lack of corresponding promotion and guidance.
In the current increasingly fierce market competition, some banks began to pay attention to this part of the business. For example, CCB began to cooperate with decoration companies in various cities to promote decoration loans.
Taking the construction behavior as an example, the requirements for decoration loans are very low:
1, personal credit information is spotless.
There is indeed a house being renovated.
If the house you buy is a house loan handled by CCB, you don't even have to do credit approval.
Decoration loan, as a consumer loan, has a very high advantage compared with other project loans.
First of all, the examination and approval procedures are simple and the loan amount is high.
The most important thing is that the loan interest rate is low, and the annual interest rate is only about 4%.
Take building behavior as an example. The maximum renovation loan is 6,543.8+0,000 yuan, the longest service life is 5 years, and the monthly installment interest rate is 0.37%.
Renovation loan process:
Although the decoration loan can be targeted at individuals, it is best to find renovation contract signed by the decoration company, because banks generally cooperate with the decoration company.
Processing flow:
I don't know where the questioner is from, and the requirements for personal credit may be different from place to place;
In Guangzhou, where I am located, renovation loans are mainly made by the four major banks, mainly because the interest expenses of these banks' renovation loans are relatively low, and the monthly interest rate is about 0.3%. The loan term is generally up to 5 years, and the maximum amount is 500,000; Of course, each bank's decoration loan requirements are definitely different, but the basic requirements are similar:
1. Property requirements: it must be a commercial house under the name of the applicant or spouse; You can also apply for new property purchase, but you must complete the bank mortgage loan;
2. Personal credit request: Bank credit has strict requirements for personal credit request. First, the credit request should not be overdue too much in recent two years, and the credit balance, liabilities and credit card usage limit should not be too much (if the credit balance and credit card usage limit are hundreds of thousands, this is basically difficult). Then, many people like to click to apply for a little online loan. If there are too many transactions, it will also have a bad impact on loan approval. Moreover, they will also look at recent credit inquiries and frequently apply for loans or credit cards in the near future.
3. Personal income: Generally, customers or families are required to have a stable source of income, such as work or business; The bank's monthly income can't be too small, otherwise the bank will feel that the repayment ability is not enough and refuse the loan, so I suggest that you can transfer money through a bank card at ordinary times;
4. Of course, the bank's loan approval is not based solely on the above requirements. It may also consider the stability of the work unit, the situation of family members, whether there are common borrowers, etc. And the loan policy of each bank will definitely be different in some details. I suggest you learn more;
Decoration loans generally need information: ID card, household registration book, marriage certificate (married), real estate license, mortgage contract of real estate license, purchase contract invoice, bank flow in the past six months, proof of work income, etc.
Handling process: Generally, the whole process takes about half a month to 1 month to handle the application, bank loan approval and loan issuance for bank customers who are responsible for personal loans.
thank you
The interest rates of big banks are low, but the cards are strict. General information is more complicated, so you can apply directly to the bank.
Coordinate Guangzhou, share the four major lines of decoration, and require
Loan amount and term
The longest term is 5 years and the maximum loan is 500,000 yuan.
(including flexible repayment: maximum 1 year and maximum loan of 300,000 yuan).
Key customers: (1) continuous payment of social security, provident fund or personal income tax 12 months or more (including 12 months);
Verifiable income (such as tax payment certificate, payroll, etc.) in recent 1 year. ).
Invited customers:
(1) Intra-bank mortgage customers: China Bank mortgage customers;
(2) High-quality industry customers: formal employees working in finance, communication, media, energy, tobacco, aviation, doctors, government, teachers and other industries (verifiable). Grade 1 or above.
Repayment method
1. Flexible repayment: repay the interest first, then the principal.
2. Monthly repayment: repay the handling fee and principal in equal amount every month.
Information required for approval
ID card, household registration book, marriage certificate, income certificate, bank flow in the last six months (customers with income should provide salary flow in the last year), real estate certification materials, house inspection (detailed version), down payment certificate (credit card receipt, transfer flow), etc.
4. Finally, more loan knowledge is welcome. I am in Guangzhou and have been engaged in the loan industry for 3 years. At the same time, I have a good understanding of Guangzhou real estate. I have been engaged in real estate agency for 6 years and hold a professional real estate agency certificate. Welcome friends who are also interested in demand to communicate.
At present, the application conditions of Guangzhou Construction Bank for renovation by stages
China Construction Bank's qualification access conditions for home improvement customers by stages:
1. Continuous social security for more than one year (you can change companies in the middle, but you can't break off diplomatic relations)
2. Provident fund for more than one year (the company can be changed halfway, but the diplomatic relations cannot be broken).
3. For more than half a year, the salary paid by the bank or the company transfer is clearly defined as salary or bonus.
4. Full-time bachelor degree or above
5. Possession of a credit card of China Construction Bank: it has been used for more than half a year, and the credit limit is 1 1,000 or more.
The customer must have at least one of the above conditions.
You can also apply for a renovated house.
The installment interest rate is 2.5% (1 to 5 years) and 2.8% (8 years) per month.
First: the credit investigation is not overdue.
Second: Don't have more than two online loans (flower beds, micro loans, etc.). ).
Third: the total credit card usage limit does not exceed 70%.
Fourth: At present, the number of credit cards used in the name cannot exceed 200,000.
Fifth, the average monthly bank flow is more than twice the monthly repayment amount of all loans under the name.
For those who just need it, buying a house has hollowed out the wallets of generations. After getting the house, many renovation funds are solved by renovation loans. However, the decoration loan does not mean that you can borrow money if you have a house, but you must meet the relevant application conditions.
Decoration loans are in different places and different banks have different conditions. As far as the approval conditions of Guiyang Agricultural Bank and China Construction Bank are concerned, although the loan amount of the two banks is similar, the maximum loan amount is 500,000, and the interest is cheaper than that of Agricultural Bank, with a monthly interest rate of 2.5% and an annual interest rate of only 3%. The monthly interest rate of CCB is 2.8% and the annual interest rate is 3.36%. The loan conditions of the Agricultural Bank of China are even more demanding, not only requiring a record of social security provident fund deposit for more than half a year, but also requiring civil servants, doctors, teachers and other iron rice bowls. The approval conditions of CCB are much more extravagant. As long as there is no problem with credit reporting and there is a social security provident fund, it can basically pass.
It should be noted here that although the interest rate of ABC is low, it cannot be repaid in advance, otherwise a certain penalty will be charged. Although the interest rate of CCB is higher, it can be repaid in advance. As long as it has money, it can be paid back at any time.
Although each place has its own advantages in the decoration loan policy, it basically needs to meet the following points before it can pass the application;
The first thing is to have a room to decorate, which is a necessary prerequisite. If there is no house, there is no decoration loan at all.
Secondly, credit reporting, which is related to all aspects of us now. Not only loans need credit reporting, but also airplanes and high-speed trains need credit reporting. Many Lao Lai can't even sit on the high-speed rail because of problems with credit reporting. Therefore, everyone must pay attention to credit reporting and never let credit reporting go wrong.
The third is the social security provident fund, which is becoming more and more important to us. Banks need to look at your social security provident fund to determine whether they have a formal job and can repay on time. The old driver here suggests that when looking for a job, try to find someone who pays the social security provident fund, because this is not only a guarantee for the future, but also a hard indicator for many loan-related businesses.
Under normal circumstances, as long as the above three conditions are met, they can basically be approved. If the Bank of China goes bankrupt, there is absolutely no problem for commercial banks.
In addition, if civil servants, doctors and teachers are stable iron rice bowls, not only the passing rate can be improved, but also the loan amount can be increased.
There is no trivial matter in decoration, and the choice needs to be careful.
Pay attention to the old foundation and pay less attention to the decoration!
Speaking of the policy of Chengdu Construction Bank, other banks should be similar.
It's easy to understand. I can be divided into two categories: bank qualification and personal qualification.
Bank qualifications include:
1. Deposited in CCB as credit.
2. There are CCB credit cards with credit lines as credit lines.
3. System pre-credit
Personal qualification category:
1, college degree or above.
2, there is real estate under the name.
3. There is social security accumulation fund for stable work.
In short, as long as there is no problem with credit reporting, it can basically be done.
At present, the maximum loan here can be 1 10,000, the longest loan can be 8 years, and the minimum handling fee is 10000 25 yuan per month.
For more information, please leave a message for private consultation. You are also welcome to pay more attention and communicate more.
Different places, different banks, different occupations, decoration loan approval conditions are different.
Basically, before getting approval, the following points need to be met:
1, there must be room decoration, which is a necessary prerequisite.
2. There is no problem with credit reporting.
3. Have social security accumulation fund.
In addition, if you are an employee of a state-owned enterprise or a well-known enterprise, a relatively stable occupation such as a civil servant, a doctor or a teacher can not only improve the passing rate, but also increase the loan amount.
Real decoration of the house, social security, work or private owners have interest settlement. Of course, your credit is good, your debt is not high, your inquiry is not excessive, and it is not overdue.