Hello, in principle, the single loan amount of personal housing renovation loan issued by our bank does not exceed 654.38 yuan +0.5 million yuan, and does not exceed 50% of the total cost of renovation project. But the loan channels you choose are different, and the amount you can apply for is different.

I. Personal decoration loan

1, unsecured credit decoration loan

The loan amount of bank credit decoration is generally 5-8 times of the monthly income, and there is no mortgage or guarantee, but it has high requirements for the borrower's credit information. Banks will strictly examine the details of the applicant's job nature, industry, income, etc. Generally, only people in specific industries, VIP customers, and senior management of the company can apply. You can also try unsecured Internet brand credit products. For example, Youhuahua is the original Baidu financial credit service brand with transparent interest rate and trustworthy. Youhua Huawei Volkswagen provides personal consumer credit services and creates an innovative consumer credit model. The application materials are simple, the fastest time is 30 seconds, the fastest time is 3 minutes, and the maximum loanable amount is 200,000. It can be repaid in advance, and the loan can be recycled after repayment.

Second, credit card home improvement staging

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. Generally, the loan amount that can be handled is 6.5438+10,000-200,000, and the maximum installment amount of a single product is 500,000. How much can I borrow for the decoration loan? Depending on the loan method you choose, the amount is different. But the specific amount still depends on the applicant's personal qualifications and repayment ability.

2. Mortgage decoration loan

Mortgage decoration loan is also a decoration loan applied for by real estate mortgage. There are many banks to carry out this business, and consumers have more choices. The general loan amount shall not exceed 70% of the appraised value of the mortgaged real estate. If mortgage 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.