To apply for a loan to decorate a house, the loan amount that can be applied for is mainly divided into the following situations:

1. The maximum personal decoration loan shall not exceed 1.5 million yuan.

Individuals apply for housing renovation loans from banks. Under normal circumstances, the maximum loan amount that an individual can apply for is 654.38+0.5 million. At the same time, applying for a decoration loan also requires the applicant to prepare certain funds himself.

2. The credit card home improvement stage can reach up to 200,000.

At present, many banks can handle credit card home improvement by stages, and individuals can also handle credit card home improvement by stages, with a maximum loan amount of 200,000. But the specific amount still depends on the applicant's personal repayment ability.

Second, how much can I borrow from the decoration loan? What is the maximum loan for decoration?

The decoration loans of banks and financial institutions are mainly for customers who want to decorate but lack money, but many people don't know how much decoration loans can be borrowed at most. In fact, due to the different ways of decoration loans, the amount of loans can also be different. 1. If you apply for a decoration consumer loan from a bank, both ICBC and CCB stipulate that the amount of a single loan should not exceed 1.5 million yuan in principle and not exceed 50% of the total cost of the decoration project; China Bank stipulates that the maximum loan amount shall not exceed 80% of the total cost of the renovation project. If the real estate is used as a mortgage loan, the loan amount will be higher, but most banks have to evaluate the mortgaged real estate, and the loan amount cannot exceed 70% of the assessed price of the collateral. If pledge is adopted, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If there is a guarantor, the loan amount shall be determined according to the credit rating of the borrower or guarantor, and the maximum amount shall not exceed 600,000 yuan. 2. If you can apply for a provident fund loan locally, you can apply for a single maximum of 50,000 yuan, and the loan amount cannot exceed 80% of the total cost of the decoration project. Unfortunately, most areas do not support provident fund decoration loans. 3. If you are eligible to apply for a personal credit loan from the bank for renovation, the maximum loan amount is generally 500,000 yuan. 4. If you hold a credit card and belong to one of civil servants, teachers, bank employees and company executives, you can also apply to the bank for a credit card installment loan. The general limit is100-200,000 yuan, and the installment limit of individual products can reach 500,000 yuan.

3. What is the renovation loan amount?

It is a common phenomenon that there is no money to decorate after buying a house. Although the current loan interest rate has declined, it is futile to apply for a decoration loan from the bank in view of the shortage of funds after buying a house. If the loan amount is not enough for house decoration, it will be a waste of time. The individual housing renovation loan issued by the bank cannot exceed 6.5438+0.5 million yuan, nor can it exceed 50% of the total cost of the renovation project. However, according to the different financing channels you choose, the amount of renovation loans you can apply for will be different.

First, the bank's credit decoration loan

The loan amount for bank credit decoration is generally 5 to 8 times of the borrower's monthly income. There is no guarantee, no guarantee, but the requirements for borrowers are very high. The bank will evaluate the lender's work income and job stability.

Second, personal assets guarantee decoration loans.

Mortgage decoration loan is a loan secured by real estate. There are many banks developing this business, and consumers have great choices. Where the mortgaged property is secured by pledge, it shall generally not exceed 70% of the mortgaged real estate valuation, and the loan amount shall not exceed 90% of the mortgage warrant value. If the loan is secured, the decoration loan amount shall be determined according to the credit rating of the borrower or guarantor, but the maximum amount shall not exceed 600,000 yuan.

Third, the bank's family installment credit card

Consumers need to pay by installment when decorating, so some banks have opened the business of credit card installment payment for decoration loans, aiming at people who live in large and medium-sized cities, just bought a new house, have no money to decorate and have good credit records. Generally speaking, the credit loan that an individual can apply for ranges from 6,543,800+to 200,000, and the credit card limit for installment payment is larger, and the maximum credit limit that can be applied for is 500,000.

The amount of decoration loan is related to the loan method, bank and channel you choose, and the amount is different. But the specific amount still depends on the applicant's personal work situation and family income.

4. What is the maximum amount of decoration loan?

The maximum amount of personal consumption loan (use: decoration) does not exceed 2 million yuan (inclusive), the maximum amount of personal drilling customers does not exceed 20 million yuan, and the maximum credit line of a single unqualified customer does not exceed 6,543,800 yuan; The specific amount of your loan is determined after you submit relevant information for the handling bank to review.