Calculate how much it will cost to decorate your home.

After buying a house, many people don't have enough money to decorate it, so they can only decorate it simply. Many owners want to decorate their houses at one time, but they don't have enough funds and want to apply for renovation loans from banks. So can I apply for a mortgage loan for house decoration? Next, Bian Xiao will briefly introduce it to you.

1. You can apply for mortgage loan for house decoration. We can apply for a personal credit loan from the bank to decorate the house. Single-family loans can reach up to 300,000 yuan, and the loan period is generally three years. Different banks will have different credit loans. However, banks are usually very demanding of applicants for credit loans. For example, ICBC requires that the applicant must be a 4-star customer among ICBC's existing customers.

2. In addition, you can also apply for credit card home improvement installment. The loan amount is usually 654.38+00-200,000 yuan, and the installment is 654.38+02-36 months. Whether you buy building materials, furniture or pay for decoration, you can apply for installment payment. However, it is usually necessary to choose a decoration company designated by the bank, spend credit cards at merchants designated by the bank and so on.

3. We can apply for decoration loan from bank consumption loan. The amount of such loans will be relatively high, and the loan term is usually less than 5 years, but the longest loan term of some bank loans is 10 year. For example, the renovation loan of Agricultural Bank is RMB 500,000, with a term of 1-3 years; The maximum amount of renovation loan of CCB is 6,543,800 yuan, and the loan period does not exceed 5 years; The maximum amount of decoration loan of China Merchants Bank is 6,543,800+0,000. The loan term shall not exceed 10 year, and so on. When applying for a decoration loan, the applicant generally needs to provide collateral approved by the bank.

Bian Xiao: Bian Xiao introduced the mortgage loan for decoration here. I hope that after reading this article, everyone can understand this. When you apply for a bank decoration loan, you need to ask what are the conditions of different types of bank loans, and we choose the decoration loan that suits us best.

Enter the area and get the decoration quotation for free.

Can I get a loan for house decoration?

You can borrow money for house decoration. At present, many banks can provide housing renovation loans, but such loans require the applicant to provide collateral, or a third party to guarantee and assume the responsibility of loan supply.

Housing renovation loan is a short-term loan, the loan time is generally shorter than five years, and the applicant will generally apply for a loan with the house as collateral.

The process of applying for house decoration loan: firstly, submit income certificate, identity certificate, real estate license, real estate appraisal report, house purchase contract, insurance documents, etc. To the bank; The bank shall review the materials submitted by the applicant; Put the applicant's collateral in the custody of the bank and sign a housing mortgage loan contract; Fair operation contract, bank loan.

Can I apply for a bank loan for renovation?

Decoration can be done in the bank. Home improvement loan, also known as decoration loan, generally refers to a commercial loan launched by banks or other consumer finance companies, mainly personal credit loans for the purpose of family housing decoration, that is, unsecured credit loans.

At present, the single loan amount of personal housing renovation loans issued by banks should not exceed 6.5438 yuan +0.5 million yuan in principle (there are also loans exceeding 6.5438 yuan +0.5 million yuan), and at the same time, it is required that the loan amount should not exceed 50% of the total cost of renovation projects (if the renovation needs 300,000 yuan, the loan cost should not exceed 6.5438 yuan +0.5 million yuan). As a financial service provided by decoration companies, decoration loans do provide more choices for consumers with insufficient decoration expenses.

Extended data:

Personal decoration loans also need to pay attention to the following aspects:

1, personal decoration loans are loans issued by banks and borrowers to decorate their own houses. Decoration mainly refers to the decoration or processing of the house with decoration materials, and the house must be its own.

2. The decoration loan in the loan has special requirements, that is, it needs to sign relevant information such as housing renovation contract and budget with the decoration enterprise recognized by relevant departments. Some banks will require owners to have certain financial support and start investing in project construction before they can use loans.

According to the regulations of the bank, personal consumption loans are generally not allowed to withdraw cash. The bank will transfer the money to the account of the decoration company.

4, the loan period is generally not more than 5 years.

Loan decoration has gradually become the "standard" of home enterprise-home-people network.

Can I get a loan for house decoration?

Housing decoration can be loaned, and some banks have specialized housing decoration loan business.

For example, CCB's housing installment loan:

I. Installment payment business

Refers to the business that the cardholder applies to use his credit card to purchase goods or services (including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc.) at the merchants designated by CCB. ), and with the approval of CCB, the cardholder pays the settlement money at the merchants designated by CCB through the special installment POS machine, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays the money every month within the agreed time limit and pays a certain handling fee.

Second, two housing modes in stages.

(1) You can choose a decoration company that cooperates with CCB to contract materials and pay the decoration company in one lump sum.

② You can also choose a number of merchants such as tiles, wallpapers, cabinets, furniture and home appliances that cooperate with CCB. Purchase materials and decorate yourself.

Three. Number of installments, amount, purpose and handling fee

① Number of periods: 6 periods, 12 period, 18 period, 24 periods, 36 periods, each period is one month.

(2) Quota and purpose: the applied quota is more than 20,000 yuan (inclusive) 1 10,000 yuan (inclusive), and the validity period of the quota is 6 months from the loan date; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan.

③ Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer.

Fourth, business characteristics

① Special credit line-exclusive installment credit line, which does not affect customers' use of fixed credit card line.

(2) Flexible use-A number of designated cooperative merchants use it flexibly. Compared with the entrusted payment method of personal loans, customers have a wider range of consumption.

③ Simple procedures-exclusive one-stop channel for handling, and customers' application procedures are simple and quick.

Verb (abbreviation for verb) Information required for customer application.

① Application Form for Installment Payment of Longka Credit Card;

② Identification;

(3) Copy of CCB credit card (double-sided);

4. Financial certificate;

5 real estate license;

⑥ Letter of Commitment for the installment payment of Longka Credit Card;

⑦ Face-to-face questionnaire for installment payment of Longka credit card.

Note: the applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc.

Lending and use of intransitive verbs

① After CCB receives the customer's complete application materials, it can pay by credit card. It takes about 18 working days for customers with cards and 15 working days for customers without cards.

(2) In the process of examination and approval, CCB staff should contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact telephone number open after submitting the application, so as not to affect the time limit for examination and approval.

(3) After the approval, CCB will notify the cardholder of the credit line by SMS and telephone. The cardholder takes the CCB credit card to the cooperative merchant and pays by swiping the card with the CCB POS machine. The special amount can be used several times according to the progress of the renovation project, but the amount of credit card swiping each time cannot be less than 1 1,000 yuan. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card.

Seven. Charge and repayment

① The "0" interest, "0" down payment and handling fee of the housing installment payment business will be collected in one lump sum at the time of the first repayment, and the unused amount will not be paid.

(2) For example, the customer swipes the card for one year at 16, with the interest rate of 3.5%, the billing date is 17 June, and the due repayment date is the 7th of the following month. The total amount to be repaid in the first repayment = 65438+100000 yuan * 3.5%+65438+1000000 yuan/12 = 3500+8334 yuan.