Decoration loans need to prepare personal and housing-related information, fill in the application form and apply to the bank. The following is the application process:
(1) Fill in the personal housing renovation loan application form.
(2) Provide valid certificates and photocopies (valid residence certificates such as resident ID card and household registration book).
(3) Home decoration project contract.
(4) Proof of economic income recognized by the bank.
(5) Provide house property certificate or house sales contract or pre-sale contract of commercial house.
(6) Mortgage guarantee information: list of collateral, ownership certificate (commitment letter of property owner) and collateral evaluation report.
(seven) other information that needs to be provided.
Precautions:
1. Some commercial banks have specially launched decoration loans, and most banks classify decoration loans as personal consumption loans or personal unsecured loans. The application is faster, but it requires good credit and stable monthly income. It is best to be a lawyer, teacher, civil servant and other high-quality industries.
2. If you have a provident fund, you can apply for a provident fund decoration loan, but the procedure is more complicated.
How to apply for a decoration loan
In today's society, buying a house has become almost everyone's demand. I finally saved enough money to buy a suite, and after buying a house, I found that I had almost no savings. What about the decoration of the house? Don't worry, the decoration loan will help you. Next, China Travel. Bian Xiao introduces three ways to apply for personal housing renovation loans, which you can choose according to your actual situation. Application method of personal housing decoration loan 1: After buying a house with bank consumption loan, the buyer can apply for personal housing decoration loan from the bank with the newly purchased house. The loan amount is capped at 7% of the mortgaged property valuation, and the lender needs to provide specific renovation contract and budget. Personal housing renovation loan application method 2: In addition to mortgage loans, property buyers can also try. You can also borrow money for decoration without mortgage guarantee. Cash loans and happiness loans promoted by foreign banks such as Standard Chartered and Citigroup are unsecured loans, which can be handled only by providing corresponding income certificates and other documents, and can be used for decoration, car purchase and tourism. , the maximum loan is 500,000. Personal housing renovation loan application method 3: use the excess mortgage credit line. After repaying part of the loan, the buyer uses the excess credit line. If the total mortgage loan for house purchase is 500,000, after a certain repayment period, 300,000 loans need to be repaid, and an additional credit line of 200,000 can be used. With this amount of 200,000, you can apply for a decoration loan from the bank. After buying a house, it is natural to decorate it well. By applying for a house decoration loan,
How should I apply for a decoration loan?
When you buy a house, you are really happy and excited, but if you find that the money is not enough when you are about to decorate, do you know how to decorate it? Here is how to apply for the decoration loan I arranged for you. I hope it will help you.
How to apply for a decoration loan
1, apply for personal credit loan decoration;
2. Personal consumption loans: consumer loans applied for by real estate mortgage;
3. Credit card home improvement installment: apply for credit card cash installment and choose home improvement building materials;
4. Internet finance application: apply for a loan from a finance company.
How to apply for a loan for the house decoration of CCB?
I. Installment payment business
Refers to the business that the cardholder applies to use the credit card to settle in the merchants designated by CCB, including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc. After 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. 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 At the same time, you can choose ceramic tiles, tablecloths, cabinets, furniture, home appliances and many other businesses. Cooperate with CCB to purchase materials for decoration.
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 20,000 yuan or more and 6,543.8+0,000 yuan or less, 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) Copies of credit cards of China Construction Bank of both parties;
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 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. Total repayment amount for the first repayment = 65438+100000 yuan, 3.5% 65438+1000000 yuan/12 = 35008334 yuan =1/834 yuan,/kloc-.
Personal housing commercial loan process demand
1 First of all, everyone should go to the bank to inquire whether they meet the loan conditions and what information they need to apply for a loan.
Sign a house purchase contract with the developer and pay the down payment.
Fill in the loan application form and submit other materials required by the bank. Usually, the developer will cooperate with the relevant bank, and the bank will assign a lawyer to handle it on the spot, so you only need to submit the relevant information in the developer's office.
4. Entrust a law firm designated by the bank to conduct credit review. This is a crucial step, because banks need to determine whether buyers are eligible for loans. After reviewing personal credit, lawyers will issue personal credit legal opinions to banks for reference when deciding whether to lend.
Bank audit is mainly to review the information submitted by the buyers and the opinions of lawyers, and then decide whether to provide loans to the applicants.
Sign loan contract and authorization for transfer and deduction.
7 go through the insurance formalities. The borrower, that is, the property buyer, should handle the property insurance of the mortgaged house with the designated insurance company. Generally speaking, banks will handle this procedure for buyers.
8. Handle the mortgage registration of house property rights. If you buy an auction house, go to the local real estate registration center for pre-mortgage registration; If the existing house needs to be mortgaged, the borrower shall go through the mortgage registration formalities at the real estate registration center after obtaining the real estate ownership certificate.
How to handle the decoration loan?
Housing renovation loan application process:
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.
3. issue loans. After the bank has approved and completed all the formalities, the bank will issue the loan according to the contract.
4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.
How to handle the house decoration loan? What materials are needed?
How to handle the house decoration loan? What materials are needed?
Hello, personal housing renovation loan can be applied at the same time as the supporting personal housing loan, or it can be applied separately. Simultaneous application: when applying at the same time, the application materials, business processes and related requirements are consistent with the supporting individual housing loan; At the same time, renovation contract can be temporarily not provided. However, before granting loans, customers must be required to provide renovation contract or agreements signed with decoration companies or developers; If the natural person guarantees the guarantee, the identity information, income or asset certification information of the guarantor shall be provided with reference to the information of the loan applicant. Separate application: customers who have applied for individual housing loans in our bank and the housing loans are not settled can apply for individual housing decoration loans separately. The application materials, business processes and related requirements of individual housing renovation loans are consistent with the supporting individual housing loans. When applying for individual housing decoration loan alone, the renovation contract or agreement signed with the decoration company must be provided at the same time when applying for the loan.
The application materials required for a general loan application are: 1. Identification materials: ID card, military officer's card, etc. 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried announcement, etc. 3. Proof of local residence: a list of fixed telephone bills, or a list of water and electricity bills paid in any three months in the past year, or other information that can prove the address. 4. Certificate of use. 5. Guarantee information: proof of ownership of collateral. If there is a * * * owner, it is also necessary to provide a statement that the * * * owner agrees to mortgage or ask the * * * owner to sign a mortgage contract. Where other auxiliary guarantee methods are provided, corresponding certification materials are also required. 6. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
If you have any other questions, I suggest you consult "forum.cmbchina/...ncmu=0. Online Customer Service". Thank you for your attention and support!
How to apply for decoration loan from China Construction Bank?
Teach you to borrow money to decorate and save trouble. 1. The borrower applies for a loan. The applicant shall go to the branch office and business department of the bank branch (hereinafter referred to as the loan bank) to receive and fill in the Application Form for Personal Housing Decoration Loan of China Construction Bank, and provide the following materials to the law firm or notary office recognized by the loan bank: (1) Original and photocopy of valid identity documents; (2) A borrower's income certificate issued by a department recognized by the loan bank; (3) List of title certificates, ownership certificates of mortgaged or pledged property, and proof that the person who has the right to dispose of the property (including the property owner) agrees to dispose of it. If the guarantee is provided by a third party, a written document and relevant credit certification materials that the guarantor agrees to provide the guarantee shall be issued; (four) there is a "Beijing family room decoration project construction contract" signed with the decoration enterprise, and the decoration enterprise must sign a "cooperation agreement" with the China Construction Bank branch; (five) the house ownership certificate or lease contract of the renovated house registered by the Municipal Housing and Land Administration; (6) Other conditions stipulated by the lending bank. Investigation (decoration laws and regulations) The law firm or notary office investigates the credit status, repayment ability and authenticity and legality of the materials of the loan applicant and guarantor, and issues a legal opinion or notifies the loan applicant who does not meet the loan conditions within 5 working days after receiving the above materials and returns all their materials. Three. Bank Approval After receiving the legal opinion issued by the law firm or notary office, the lending bank will review it. Four. Open an account for the borrower and go through the insurance formalities. After the loan bank agrees to issue the loan, it shall notify the borrower to open a current savings account (passbook, savings card and credit card) in the bank as the designated account for repayment. For loan applicants who apply for loans by mortgage, banks should guide them to fill out insurance policies correctly and pay premiums. V. Signing a Loan Contract The borrower shall sign a loan contract at the loan bank with the original current savings passbook or savings card or credit card and insurance documents. The intransitive verb loan contract takes effect and the funds are transferred to the borrower's account. Seven. The starting point of personal durable consumer goods loan is 3000 yuan (inclusive). If the collateral is secured by mortgage, the value of the collateral shall be assessed according to the relevant requirements of the Construction Bank, and the loan amount shall not exceed 70% of the assessed value of the collateral; In case of pledge, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If credit or third-party guarantee is adopted (the guarantor is a natural person or legal person), 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. Eight, the shortest loan period is half a year, the longest is 5 years (including 5 years). Nine, the loan interest rate according to the provisions of the people's Bank of China loan interest rate for the same period, and can be implemented within the scope of the provisions of the people's Bank of China.
Can I get a loan for house decoration?
Housing renovation loans are ok, provided that you have a stable income. The bank will use your monthly salary income as the basis for judging the loan amount and use it as an unsecured RMB loan for personal consumption. No real estate, no local household registration, you can apply for a house decoration loan. It is equivalent to personal microfinance. At present, there are two kinds of loans and a credit card installment payment form that can be applied for, as follows:
1. Apply for personal credit loan.
Decoration;
2. Personal consumption loan decoration loan. Consumer loans here refer to mortgage loans with certificates, that is, consumer loans with real estate as collateral. ;
3. credit card home improvement staging;
4. Loans from consumer finance companies
In addition to traditional bank loans, loans from consumer finance companies are also one of the options.
Can I apply for a renovation loan for a mortgaged house?
Conditions for individuals to apply for housing renovation loans
1, with permanent residence or valid residence status in this city;
2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
3. Have purchased houses or own houses;
4. Holding a decoration project contract or purchasing decoration products;
5. There are assets recognized by the bank as collateral, or units or individuals with sufficient compensatory capacity as guarantors who bear joint and several liabilities;
6. Willing to accept other reasonable requirements put forward by the bank.
Loan process
1. When applying for a loan from a bank, the loan applicant must fill in the Application Form for Personal Housing Decoration Loan. At the same time, submit relevant certificates and materials to the bank;
2. After reviewing the authenticity, legality and credit degree of the relevant certificates and materials submitted by the borrower, the bank promises to lend. On this basis, the loan applicant signs a decoration project contract or decoration product order contract with the decoration company or decoration product seller, and submits the original contract to the bank.
3. The borrower and the borrower sign the Loan Contract for Personal Housing Decoration and the corresponding guarantee contract. The borrower who takes the house as mortgage shall go through the formalities of notarization of individual housing mortgage contract, mortgage housing insurance and real estate mortgage registration.
4. After accepting the certificate of other rights of real estate, the bank shall go through the formalities of loan guarantee or loan lending;
5. Entrusted by the borrower, the bank will transfer the loan funds to the decoration company or the unit selling the decoration products to open an account in the bank in the name of paying the decoration money according to the time stipulated in the loan contract.
Quotas and deadlines
Personal housing renovation loan amount: the starting point is 5,000 yuan (including 5,000 yuan), and the maximum is 6,543.8 yuan +0.5 million yuan (including 6,543.8 yuan +0.5 million yuan). Among them, if secured by mortgage, the loan amount shall not exceed 70% of the value of collateral, and if secured by pledge, the loan amount shall not exceed 80% of the value of pledge.
The loan period of individual housing renovation loan is at least half a year and at most five years (including five years).
According to the market demand, Shanghai Branch of Bank of Communications has launched the "preferential loan for housing decoration portfolio", which provides a new financing method for customers who apply for housing loans in Bank of Communications. Anyone who applies for personal housing mortgage loan in Shanghai Branch of Bank of Communications, whose repayment period is more than one year but less than two years, has no overdue repayment behavior, and has good credit standing, may enjoy the housing decoration credit loan with the maximum amount of 10% and 100000 yuan. According to the delivery process of the auction house, one year after the housing loan is repaid, customers who buy a house by mortgage in Shanghai Branch of Bank of Communications can easily obtain decoration loans through this business, which expands the space for personal financial management. The preferential loan for house decoration portfolio will be directly credited to the borrower's Pacific Card account. The borrower can not only freely arrange the progress of fund use, but also enjoy the special discount according to the benchmark interest rate 10% stipulated by the People's Bank of China.
I want to borrow money to decorate my house. What should I do?
The mortgaged house no longer meets the loan conditions. If you want to apply for a second loan, you must repay the last loan.
Because you use the house as a mortgage, you put the right to dispose of the house in the bank. That is, the bank has the right to auction your house if you can't repay the loan normally.
So now your house cannot be refinanced until the loan is paid off.
You must feel that you have to rent a house after buying it, and you are unbalanced, but there is nothing you can do. You can't move in until it's decorated.
Now I can only borrow it from friends and relatives around me, and then I can decorate the house first.
How to handle the house decoration loan?
It is only recently that I learned about the relevant process of how to handle the decoration loan, and now I will share it with you. Decoration loan, also known as home improvement loan, refers to the personal credit loan launched by banks or consumer finance companies for the purpose of family housing decoration. Application conditions: 1. Having a local permanent residence and a legal and valid identity certificate;
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.
How to deal with it?
1. Handling channel: The borrower applies for personal decoration loan business through the bank branch that offers personal housing decoration loan business.
2. Handling process: ① When the borrower applies for a housing renovation loan, he must apply at the business outlet where the business is opened, fill in the application form, submit relevant materials and handle relevant guarantee procedures;
(2) After investigation and examination by the account manager and approval by the competent examination and approval department, the loan contract is signed;
(3) The account manager handles the loan procedures and transfers the money to the borrower's personal settlement account, so that the customer can use the loan funds;
(4) The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment;
⑤ After the loan is settled, the bank cancels the creditor-debtor relationship with the customer and goes through relevant procedures.
How is the decoration loan handled? How much is the interest?
To apply for a personal housing renovation loan, the borrower should be a natural person with full civil capacity. In addition, the borrower shall meet the following conditions:
First, it has a permanent residence in the town or a valid residence status;
Second, the borrower has the right to use the house issued by the house property right certificate or the house property right unit; If the property right of the house you want to decorate is your own, you must have a property certificate. If it is a unit house, you need to prove that you have the right to use it.
Third, it has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan on time. "
The special requirements in the decoration loan are: to have the renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the relevant departments; There must also be no less than 30% of the total decoration budget, and it must be invested in project construction before using the loan. "
The borrower shall submit the following information:
(1) Original and photocopy of legal identity documents (resident identity card, household registration book or other valid residence documents);
(2) The name on the borrower's house ownership certificate or house use certificate;
(three) the economic income certificate issued by the unit;
(four) the construction contract of the house renovation project;
(5) Property right certificate of mortgaged property, list of pledged property, documents proving that the person with the right to dispose agrees to mortgage or pledge, and appraisal report of mortgaged property;
(six) the guarantor agrees to provide a written document of guarantee and the guarantor's credit certificate;
(seven) the borrower who has handled the individual housing loan in our bank shall also provide a copy of the individual housing loan contract. "
Loan interest;
The longest loan period shall not exceed 5 years. The loan interest rate shall be subject to the fixed interest rate stipulated by the People's Bank of China. That is, for less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%. "
How much loan can I apply for to decorate my house?
The object of personal housing renovation loan is a natural person with full civil capacity.
-details of the borrower
1) Eighteen to sixty years old, with local permanent residence or foreign residence but a valid local residence permit and a fixed residence;
2) Have a stable and legal source of income and the ability to repay the loan principal and interest on schedule;
3) There is a home decoration project contract signed with the decoration enterprise, or a home decoration material purchase contract, a kitchen and bathroom equipment purchase contract, or a home decoration budget;
4) Having the credit qualification recognized by China Construction Bank or being able to provide the guarantee recognized by China Construction Bank;
5) No bad records;
6) Meet other conditions stipulated by China Construction Bank.
-Loan amount The borrower's loan amount is not less than RMB 3,000 (including RMB 3,000), and the collateral is appraised according to the relevant regulations of China Construction Bank, and the loan amount does not exceed 70% of the appraised value of the collateral; In case of pledge, the maximum loan amount shall not exceed 90% of the value of the pledge right certificate; If credit or third-party guarantee is adopted (the guarantor is a natural person or legal person), 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.
-The shortest loan period is half a year and the longest is not more than five years (including five years).
-The loan interest rate shall be subject to the loan interest rate stipulated by the People's Bank of China for the same period, and may fluctuate within the scope stipulated by the People's Bank of China.
The borrower fills in the Application for Personal Household Consumption Loan of China Construction Bank and provides the following information:
1) Original and photocopy of citizen's ID card (ID card, household registration book, military officer's card or other valid ID card);
2) local permanent residence or valid residence identity certificate;
3) Personal income certificate (income certificate issued by the unit, payroll, tax bill, insurance policy, bank deposit certificate that can be used for repayment, etc.). );
4) The home decoration project contract signed by the decoration enterprise, the contract for purchasing home decoration materials, the contract for purchasing kitchen and bathroom equipment, or the home decoration budget issued;
5) When the borrower applies for mortgage, the required collateral ownership certificate and pledge right certificate, as well as the written documents of the owner and the real estate agreeing to mortgage and pledge; A written document in which the guarantor agrees to provide the guarantee;
6) People's credit certification materials. If the guarantor is a legal person or other economic organization, the credit certificates to be provided include: copy of business license, organization code certificate, certificate of legal representative's consent to provide guarantee, and certificate of enterprise credit rating. If the guarantor is a natural person, the credit certification materials to be provided are the same as those of the borrower;
Collateral assessment report issued by the assessment department recognized by the Construction Bank;
Other materials required by the Construction Bank.
-Provisions on loan repayment
1) Individual housing renovation loans are repaid by equal principal and interest repayment method, average principal repayment method, equal (equal ratio) progressive repayment method and other agreed repayment methods. If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest can also be repaid in one lump sum, and the interest will be paid with the principal.
2) If an individual repays all or part of the loan in advance, he needs to apply to the handling bank in advance and pay the liquidated damages according to the regulations.
The decoration loan of CCB is all personal loan products with decoration financing service function of CCB, including personal housing mortgage loan and personal consumption loan. The loan amount is high, the maximum loan for a single household is 6.5438+0 million, the loan time is long, the longest is 5 years, and the repayment methods are diverse. Transfer related loan application to
1. Loan target: The renovation loan of CCB is applicable to China citizens with full capacity for civil conduct who have renovation financing needs and are over 18 years old but not over 60 years old.
2. Loan purpose: decoration purpose.
3. Guarantee method: The renovation loan of CCB adopts mortgage, guarantee, pledge and credit.
4. Loan amount: the loan amount of a single household for renovation loan of CCB shall not exceed 6,543,800 yuan; Among them, for the housing loan customers who apply for loans, if the houses purchased by their housing loans have been renovated, and the housing loans have been repaid normally for more than 2 years (inclusive) and there is no record of default or other defaults, the Construction Bank will directly give a credit consumption loan of up to 300,000 yuan (inclusive) and not more than 30% of the house value (subject to the collateral value confirmed when handling housing loans).
5. Loan term: The longest renovation loan of CCB shall not exceed 5 years.
6. Loan interest rate: The renovation loan interest rate of CCB shall be subject to the loan interest rate of CCB.
7. Repayment method: The repayment method of renovation loan of CCB includes equal principal and interest and average capital. ......
How to apply for a bank loan for house decoration?
Hello, when a lender applies for a decoration loan, it generally needs to provide the following materials to the bank:
1. Valid ID card, permanent residence certificate issued by neighborhood committee, identity and fixed residence certificate;
2. 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;
3. Real estate certificate of real estate mortgage (required for mortgage loan);
4. Bank deposit statement, water and electricity tax bill and other certificates. To prove their credit quality;
5. The decoration project contract signed with the decoration enterprise, the purchase order of decoration materials and other materials that prove the purpose of the loan;
6. A copy of the business license and qualification certificate of the decoration enterprise, which proves whether the partner is within the prescribed scope;
7. Other conditions required by banks or financial institutions.
Please refer to the above answers provided by Ronglian Ye Wei.
My house is a mortgage loan, and now I want to apply for a decoration loan. what can I do?
Have you applied for a loan from China Merchants Bank for this property that you need to decorate at present?
If your property has been mortgaged in other banks and you apply for a decoration loan directly through China Merchants Bank, China Merchants Bank will do it in the form of consumer loans.