You can also apply for a decoration loan if you have a mortgage. Loans are recommended by Mo Long, which are aimed at groups over the age of 25-55 who need large loans, as well as non-online lending groups, such as flowers and flowers, small degrees, etc. Students and groups need to be excluded.
Decoration loan application conditions are:
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 loan principal and interest when due;
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.
If you want to know more about the decoration loan, please consult Morlon. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.
Can I get a mortgage loan for renovation?
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.
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.
The house is mortgaged and the loan has not been paid back. Can I get a decoration loan?
If the mortgage is not paid off, you can refinance. You can distinguish several situations:
1. If the value of the house is relatively large and the loan amount is relatively large, you can apply for re-mortgage, which can lend more money for your decoration;
2. You can also finance yourself or find a prepayment company or guarantee company, pay off the mortgage balance first, use the house as collateral, and apply for a decoration loan;
3. If your income is relatively stable, you can apply for an unsecured decoration loan. This kind of loan is mainly aimed at people who have a little tail in mortgage. Because it is unsecured, the interest rate is a bit high;
Can the house decoration be mortgaged?
Decoration can be paid in installments, and many banks have this business. Usually, the owner needs to provide ID card, real estate license, income certificate, budget certificate of decoration company, and the borrower has good credit information.
Some decoration companies also support installment payment. Pay the down payment when signing the renovation contract, then pay the interim payment at the interim acceptance, and finally pay the final payment.
Decoration, also known as decoration, refers to a set of construction schemes and design schemes carried out in a certain area and scope, including hydropower construction, walls, floors, ceilings, landscapes, etc., which are formed according to certain design concepts and aesthetic laws. Decoration is a technique for artistic treatment of daily necessities or living environment. Its methods include all-inclusive, all-inclusive, half-inclusive and clear-inclusive.
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