Decoration loan is a pit.
Case 1
Property: Vanke Jindi Owner: Mr. Yuan.
Problems encountered: I have credit problems with my real estate license and my application was rejected.
In August this year, Mr. Yuan applied for a decoration loan. At that time, he thought that the real estate license could only be handled by himself, so he applied in his own name, but was rejected by the bank on the grounds of poor qualifications. Later, I learned that I could apply in the name of my spouse, so I applied again in the name of his wife. I thought his wife's qualifications and credit information were good and she could pass. Later, I learned that it was difficult to apply again after being rejected once.
Reminder:
With the real estate license, you don't have to apply for a decoration loan. If my qualifications are not very good, it is recommended to apply in the name of immediate family members (spouse/parents/children), otherwise it will be difficult to apply again once rejected.
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Property: Good Time Owner: Miss Yao
Problems encountered: lured by the low interest rate of lending institutions, almost cheated.
Miss Yao got a leaflet on the renovation loan when she repossessed the building. This advertisement is very attractive. It said that the monthly interest rate of decoration loans is only 0.22%, which is much lower than other banks in the market. At that time, she was also in a hurry to decorate, and she was in a hurry to pay the deposit. Later, it was discovered that the lender was not a bank, but a small lending institution. I really can't help but cancel the contract and waste the deposit.
Reminder:
Owners should keep their eyes open and not be deceived by some so-called low-interest lending institutions, which may be tricky and the later service is not guaranteed. It is recommended to choose a formal financial company that cooperates with the bank, and the bank will lend money to ensure safety.
Case 3
Property: Country Garden Owner: Mr. Lin
Problems encountered: unfamiliar with the process, running around wasted a lot of time.
Mr. Lin usually works in Guangzhou, and the newly bought house is in Dongguan. This time, in order to apply for a decoration loan, he specially took two days off to go back to the bank in Dongguan for consultation. He also took a day off when submitting the follow-up application materials, only to find that a certificate was missing when submitting it. It took four days to go back and forth, and finally I was rejected. I was very tired.
Reminder:
Owners who are not familiar with the process of handling decoration loans, or who are busy at ordinary times, are advised to handle them through some companies that cooperate with banks and specialize in handling decoration loans. Having professionals at home to help you handle it can save a lot of time and increase the success rate of obtaining loans.
Case 4
Property: Vanke Sky City Owner: Mr. Li
Problem: the decoration budget is not done well, and the later quota is not enough.
Because he didn't make a good decoration budget, Mr. Li only applied for a decoration quota of 654.38+10,000. Now he has just finished loading hard clothes and found that there are not enough places. He regretted that the application amount was too small and wanted to borrow another sum of money to buy furniture and home appliances, but the bank replied that he could not apply for a second decoration loan.
Reminder:
Usually, I often meet owners with insufficient quotas. In this case, it is usually difficult to apply for a second loan. Therefore, I suggest that if you can't estimate the renovation budget, apply for as high a quota as possible and reserve space to avoid the embarrassment of not having enough money to continue the renovation.
Decoration loan is a pit. What's going on here? The decoration loan pits the relevant contents of the case, so I'll take you here.