First, the borrower to apply for housing renovation loans, must apply for the opening of business outlets.

2. Fill in the application form, submit relevant materials and handle relevant guarantee procedures.

Three, the account manager investigation, examination and approval, after the approval of the competent examination and approval department, signed a loan contract.

4. The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account in the bank, so that the customer can use the loan funds.

5. The borrower repays at the business counter or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold repayment on its behalf.

Decoration loan:

Home improvement loans, also known as decoration loans, refer to personal credit loans launched by banks or consumer finance companies for the purpose of family housing decoration, that is, unsecured credit loans. 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. There are two kinds of home improvement loans and a credit card installment payment form, as follows:

1. Apply for personal credit loan decoration;

2. Personal consumption loan decoration loan. The consumer loan here refers to the secured mortgage loan, that is, the consumer loan applied for by real estate mortgage;

3. credit card home improvement staging;

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

There are two kinds of decoration loans, one is to apply by credit card in stages, as follows:

1. Apply for personal credit loan decoration.

Credit loans are unsecured and unsecured, but more than half of the credit loan products in the market have high requirements for consumers, or the threshold for asset certification is high, or people in specific industries, VIP customers and senior management of the company can apply. Be sure to strictly examine the details of the applicant's job nature, industry, income and so on. Consumers prefer personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank. The credit loan amount of these banks is generally 5-8 times the monthly income, and of course the interest rate will be higher.

2. Personal consumption loan decoration loan

Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. As many banks are engaged in this business, consumers have a relatively large choice.

However, banks have different requirements for mortgaged real estate in terms of house price, house age and real estate area. Consumers must do their homework before applying. If an individual owns one or more properties, he can try to apply, not only to get more loans, but also to have a longer term. However, the specific loan amount depends on the bank's review of consumers' personal qualifications and real estate status (geographical location, house price, real estate area and house age).

3. Credit card home improvement installment payment

In order to better meet the needs of consumers for home improvement by stages, some banks have launched credit card home improvement by stages, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. The upper limit of the general quota is 6.5438+10,000-200,000, and the maximum installment quota of a single product is 500,000. However, it should be noted that the applicants should be civil servants, teachers, full-time employees of banks, and middle and senior managers of companies with registered capital of more than 30 million. The general stage of home improvement is 12 months, 24 months, and the longest is 36 months. For the list of domestic banks that can apply for home improvement by stages, please check the personal loan product selection of Easy Loan China in 2009.

Applying for credit card installment home improvement will also be subject to certain restrictions, that is, the services and products selected by consumers must be cooperative merchants of banks. If the selected merchants are not among the cooperative merchants of home improvement staging, they cannot apply for staging. With prerequisites, what other conditions do applicants need? Real estate! As a mortgage guarantee, buyers need to provide real estate licenses or real estate sales or pre-sale contracts, purchase invoices, bank loan contracts, etc.

Consumers must be clear about the provisions of bank home improvement by stages, such as credit limit and consumption limit, repayment problem, liquidated damages and other issues. Once you have handled the credit card home improvement stage, you should also pay attention to product quality and after-sales service. After all, once the money is given, it is easy to solve the quality problems in the decoration process in time.

What is a home improvement loan? Does the decoration company need to sign any agreement or contract with the bank?

At present, there are two kinds of home improvement loans and a credit card installment form, as follows: 1. Apply for personal credit loan for decoration. Credit loan is unsecured and unsecured. However, at present, more than half of the credit loan products on the market have higher requirements for consumers, or the threshold for asset certification is higher, or people in specific industries, VIP customers and senior managers of the company can apply, so it is necessary to strictly examine the details of the applicant's job nature, industry, income status and so on. At present, personal credit loan products of banks such as Bank of Ningbo, Bohai Bank, Standard Chartered Bank and Citibank are favored by consumers. The credit loan amount of these banks is generally 5-8 times the monthly income, and of course the interest rate will be higher. 2. Decoration loan of personal consumption loan The consumption loan here refers to the mortgage loan with certificate, that is, the consumption loan applied for by real estate mortgage. As many banks are engaged in this business, consumers have a relatively large choice. However, banks have different requirements for mortgaged real estate in terms of house price, house age and real estate area. Consumers must do their homework before applying. If an individual owns one or more properties, he can try to apply, not only to get more loans, but also to have a longer term. However, the specific loan amount depends on the bank's review of consumers' personal qualifications and real estate status (geographical location, house price, real estate area and house age). 3. Credit card home improvement staging At present, in order to better meet consumers' demand for home improvement staging, some banks have launched credit card home improvement staging business, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. The upper limit of the general quota is 6.5438+10,000-200,000, and the maximum installment quota of a single product is 500,000. However, it should be noted that the applicants should be civil servants, teachers, full-time employees of banks, and middle and senior managers of companies with registered capital of more than 30 million. The general stage of home improvement is 12 months, 24 months, and the longest is 36 months. For the list of domestic banks that can apply for home improvement by stages, please check the personal loan product selection of Easy Loan China in 2009. Applying for credit card installment home improvement will also be subject to certain restrictions, that is, the services and products selected by consumers must be cooperative merchants of banks. If the selected merchants are not among the cooperative merchants of home improvement staging, they cannot apply for staging. With prerequisites, what other conditions do applicants need? Real estate! As a mortgage guarantee, buyers need to provide real estate licenses or real estate sales or pre-sale contracts, purchase invoices, bank loan contracts, etc. Consumers must be clear about the provisions of bank home improvement by stages, such as credit limit and consumption limit, repayment problem, liquidated damages and other issues. Once you have handled the credit card home improvement stage, you should also pay attention to product quality and after-sales service. After all, once the money is given, it is easy to solve the quality problems in the decoration process in time. 4. In addition to traditional bank loans, loans from consumer finance companies are also one of the options. Consumer finance companies provide personalized financial products for customers such as commercial banks and credit cards. In fact, this kind of consumer credit has existed in foreign market economy for more than 400 years, and the relevant laws and regulations on consumer credit have been quite perfect. Different credit has different targeted laws to regulate it. However, China's consumer credit laws are not perfect and the market maturity needs to be improved. After being transplanted from abroad to China, consumer finance companies need to continue to explore ways in concrete practice. Consumer loans (durable consumer goods and general consumption purposes) provided by consumer finance companies shall not exceed 5 times of personal monthly income. The guarantee method is unsecured and unsecured, so consumers do not have to worry too much about the guarantee method. Due to the inherent advantages of fast loan approval and short loan cycle, consumer finance companies have largely made up for the slow approval of bank loans. Edit the application conditions of home improvement loan in this section.

1. Have local permanent residence and legal and valid identification; 2. Have a proper occupation and stable income, and have the ability to repay the principal and interest of the loan at maturity. 3. The borrower can provide relevant asset certificates, bank statements, tax bill certificates, etc. 4. For newly purchased houses, materials such as house sales contracts and purchase invoices shall be provided (or materials such as house ownership certificates shall be provided if the original houses are renovated again); 5. Other conditions stipulated by the Cooperation Organization. Edit the relevant data of home improvement loan in this paragraph.

According to the results of the "Household Consumption Survey of Post-80s Generation" initiated by the All-China Federation of Industry and Commerce and Sohu Home in conjunction with the mainstream media in Beijing, nearly half of post-80s white-collar workers are more inclined to decorate 30,000 to 50,000 files under the pressure of rising house prices, and the cost of home improvement has formed a considerable gap with millions of house prices. Among them, 93% buyers are willing to make installment loans for home improvement, more than 60% consumers are willing to take credit card installment loans, and more than 80% consumers hope that loans can be interest-free. It is not difficult to see that, driven by the new consumption pattern, solving the decoration problem through financial tools has become a popular way for buyers. Edit this paragraph's notes on home improvement loans.

1. If you really need to decorate your home, you can go to various districts for home ownership guarantee. If you cash out, you can find an acquaintance of the home guarantee company for help, or find a mortgage intermediary or lending institution to handle it. 2. If someone can't sign the property right certificate on the spot, it needs to be notarized, and the notarization will entrust the mortgage of the house and the right to handle the loan to others. 3. Require the balance in the provident fund account of the main lender to be sufficient, generally 40% of the loan amount 1, and deposit it continuously for 6 months. Insufficient balance may lead to an increase in processing costs. 4. Generally, it is required that the area of the house to be renovated is more than 70 square meters. If the unit is good, it can be relaxed appropriately. The best room age is within 15 years, and it can be appropriately relaxed to 20 years if the unit is good. Failure to meet the above standards will lead to an increase in processing costs. 5. Shop around when handling, especially when the unit is normal. Generally, it is not difficult to apply for provident fund renovation loans. Any intermediary can do it and see which price is more affordable! 6. At present, the loan amount for renovation of provident fund is generally 1 1,000 yuan per square meter, which may be relaxed to 2,000 yuan per square meter in the future. And once it is opened to 2000 yuan per square meter, the handling fee will increase relatively. 7. Like normal commercial loans, decoration loans generally require the lender to have a good credit record. In the past, there should not be too many overdue records of credit repayment, otherwise the processing cost will increase. 8. Only after the renovation loan is paid off can you apply for a new provident fund housing loan. Therefore, if there is a demand for housing in the short term, it is not easy to make a provident fund decoration loan. 9. The loan was renovated two months ago, and cash needs to be deposited in the repayment account before it can be offset by the provident fund. After you get the loan, don't take all the money in your account, and leave a repayment limit of at least two months to avoid default. Edit this paragraph of CCB's home improvement installment business.

The cardholder applies to use his/her credit card (including Longka dual-currency credit card and Longka RMB credit card) to purchase goods or services in the cooperative home improvement merchants of CCB. After the approval of CCB, the cardholder pays the home improvement payment at the home improvement merchants of CCB through the special phased POS machine, and the corresponding transaction amount is divided into several periods on average. The cardholder shall repay the loan on a monthly basis within the agreed time limit and pay a certain handling fee as appropriate.

Features of CCB's home improvement installment business: convenient procedures. The storefronts of home improvement businesses can be accepted, and there is no need to sign complicated procedures. Preferential price. The discount of cooperative merchants is much lower than the bank loan interest rate in the same period. Exclusive quota. The maximum installment amount of home improvement can reach 200,000 yuan, which does not occupy the normal credit line. Flexible deadlines. Repay in installments for up to 24 months, and enjoy a warm home in advance. Easy financial management. The same goods in the store, the same price, the same benefits.

How to apply for provident fund loans when decorating a house?

Methods of applying for renovation provident fund loans:

1. Materials to be prepared for decoration provident fund loan application: ID card (if you have a spouse, you need to prepare the other party's ID card, and if you are married, you need a marriage certificate); Proof of income flow; Proof of payment of provident fund; Property ownership certificate/purchase contract, renovation contract, budget and decoration invoice, and receipt of down payment of no less than 20% for the house.

2. According to your own room type, after submitting the application, the bank will review the real estate agency and guarantee company, and will report the applicant's information and other information to the housing provident fund management center for review. The audit time is generally 40 days.

3. If the application is approved, the provident fund management center will notify the applicant and sign a loan contract with him.

Can the bank decorate the loan?

1. Bank of China supports the application for renovation loans, but the regulations are different in different regions. I suggest you go to the business hall of China Bank for consultation. The version number of China app Android is: v7.1.3; ; The version number of Apple Android is v6. 12.2.

2. China Bank can apply for renovation loan. Generally, the materials to be prepared for an application include: valid identity documents, permanent residence certificates issued by neighborhood committees, personal identity and fixed residence certificates; Proof of professional and personal income issued by the unit, proof of stable work for six months or more in a row (or provide your monthly salary bill in recent months) to prove your repayment ability; Property certificate for mortgage of real estate (required for mortgage loan); Bank deposit statements, water and electricity tax bills and other certificates to prove their credit quality; Materials that prove the purpose of the loan, such as the decoration project contract signed with the decoration enterprise and the purchase order of decoration materials; A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the specified scope and other conditions required by the bank or financial institution.

1. Bank of China loan inquiry method: online inquiry. Users can log in to China Bank official website to check the loan progress; Counter-inquiry The borrower can check the loan progress at the business counter with the loan-related documents and his ID card; Telephone inquiry. The borrower can contact the loan officer directly to understand the approval progress. You can also call the customer service hotline 95566 for related inquiries. Because the efficiency of banks is different, the time for loan approval is fast and slow. According to the bank's approval, the first half of the year is faster and the end of the year is slower, because the bank loan quota is generally tight at the end of the year, and banks have to collect money.

2. Decoration loans are: decoration loans, also known as home improvement loans, are personal credit loans launched by banks or consumer finance companies to help achieve the purpose of family housing decoration, which can be understood as unsecured credit loans. When an individual applies for a decoration loan, the bank or consumer finance company will give the individual no more than RMB 6,543,800+0.5 million and no more than RMB 50% of the total cost of the decoration project according to relevant regulations. At present, there are two ways to apply for decoration loans, personal credit loans and personal consumption loans. There is also a form of credit card installment, that is, credit card home improvement installment. Individuals can choose the way of decoration loan according to the actual situation.

How to operate the decoration loan?

It is mainly divided into five steps, and the fifth step needs special attention.

First, communicate your own handling conditions in advance to see if they meet the requirements;

Second, prepare relevant materials and make an appointment with the account manager for processing time;

Third, face-to-face signing;

Fourth, loan approval. The bank will inform you of the approval result by SMS;

Fifth, meet the lending conditions, bank lending. Some banks need to survey the decoration site before lending, depending on the qualifications of different banks and individuals.

How to borrow money to decorate a house?

First, after buying a house with a housing decoration loan, it can be solved by two ways: bank housing decoration loan and housing accumulation fund withdrawal. (a) Housing renovation loans, also known as individuals, are unsecured RMB loans for personal consumption, which are specially issued to people with stable and continuous wage income, and their monthly wage income is used as the basis for judging the loan amount. At present, there are two kinds of home improvement loans and a credit card installment form that can be applied for, as follows: (1) Apply for personal credit loan decoration; Personal consumption loan and decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. ; , credit card home improvement staging; In addition to traditional bank loans, loans from consumer finance companies are also one of the options. (2) Loan form of house decoration loan: applying for personal credit loan decoration credit loan is unsecured and unsecured, but more than half of the credit loan products in the market have high requirements for consumers: either the threshold of asset certification is set high, or people in specific industries, VIP customers and company executives can apply, and the details of the applicant's work nature, industry and income status must be strictly examined. Decoration loan of personal consumption loan The consumption loan here refers to the mortgage loan with certificate, that is, the consumption loan applied for by real estate mortgage. As many banks are engaged in this business, consumers have a relatively large choice. Credit card home improvement staging Some banks have launched credit card home improvement staging business in order to better meet consumers' home improvement staging needs, targeting people who live in large and medium-sized cities, just bought new houses, have no money to decorate and have good credit records. The upper limit of the general quota is 6.5438+10,000-200,000, and the maximum installment quota of a single product is 500,000. (3) The common ways of decoration loans are: applying for decoration loans from banks with houses or other assets as collateral; Credit loan; ; Pay by installment with credit card decoration. The interest rates of specific bank loan products are different, the loan interest rates of different products are different, and the loan interest rates of different people may be different. For example, for the same renovation loan, some banks may implement the benchmark interest rate, and some banks will raise the benchmark interest rate10%; In the same bank, some people can borrow at the benchmark interest rate, some borrowers have poor personal credit or repayment ability, and the loan interest rate may rise. Generally speaking, the renovation loan period of most banks will not exceed 2 years. Two, personal housing provident fund loans are low-interest housing loans provided by the state for employees. Refers to the borrower who pays the housing provident fund in full and on time. When purchasing, constructing or overhauling the self-occupied housing, he applies to the housing provident fund management center for a housing loan with the housing provident fund as the source of funds, or a third party provides a guarantee for the loan and assumes joint and several liability for repaying the principal and interest. (1) When applying for a loan, the borrower should prepare the following materials: 1, identification certificates of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, judgment, ruling, unmarried or divorced certificate issued by the unit, etc.). ); 2. Proof of stable economic income (proof of unit wage income, etc.). ); 3, housing provident fund deposit certificate; 4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing); 5. I and my spouse * * * fill in the loan application approval form; 6. Receipt of house payment (down payment) of not less than 20% of the total house payment (proof of self-financing of not less than 30% of the total house payment is required for purchasing private houses, building and overhauling self-occupied houses); 7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee). (II) Extraction process of provident fund renovation loan: Step 1: If you apply for 1 purchase of commercial housing and affordable housing, you should sign a purchase contract with the seller, and at the same time receive the Application Approval Form for Housing Provident Fund Loan from the seller, fill in the form and prepare relevant materials to determine the loan amount; 2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the Changchun Housing Provident Fund Management Center; 3. To buy a private house (second-hand house) with complete property rights, you should apply to Changfang Replacement Guarantee Co., Ltd. Step 2: Review the house selling unit or guarantee company and submit the borrower information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review. Step 3: Sign a loan contract. After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures. Step 4: Ensure 1. The purchase of commercial housing and affordable housing built by the developer who signed the housing provident fund loan cooperation agreement with the center, before the formal mortgage of the house, the developer shall undertake joint and several liability guarantee for the borrower in stages; 2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center; 3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility. Step 5: After the borrower of the bank loan completes all the above procedures, the Center will issue a "Decision on Granting Loan" to the entrusting bank to inform the bank to lend money. Step 6: Repay the borrower according to the monthly repayment amount agreed in the loan contract, and make monthly repayment to the bank.