It is difficult to compare just by looking at the cost. According to the personal consumption loan interest rate, assuming that it does not rise and is not favorable, the annual interest rate of 1-3 is 5.4%, which translates into a monthly interest rate of 0.45%. In other words, the monthly handling fee of the credit card you hold must be less than 0.45% to be cost-effective. At present, only the ICBC card is lower than this figure, and the installment fee of most banks is higher than 0.5%, so which one is cost-effective, depends on which bank card you use-of course, you must find a decoration company that is willing to accept credit cards. There are many self-employed and small enterprises in the decoration industry, and cash transactions are more common. So it is still a question whether you can use the card.

Consumer loans can give you cash without swiping your card, which is very convenient to use, but the procedures are complicated, such as contract, mortgage, notarization and so on. It is not excluded that banks will charge a one-time handling fee in addition to interest. If it is the kind that does not need mortgage guarantee, the interest will be much more expensive than the above.

Personally, I don't think so. Considering that you are a teacher, you should have a housing provident fund. Why not use it? You can apply for cash withdrawal when buying a house, and you can also apply for decoration loans, which are much lower than commercial loans.