My sister's decoration company provides CCB with interest-free decoration loans. This company is called Qingdao face-to-face decoration. You can go to their company for details.
2. Which bank is the most cost-effective for decoration loan? Are there any conditions?
Which bank is the most cost-effective for decoration loan:
It is more affordable to choose large state-owned banks for decoration loans, such as China Construction Bank, Bank of China and China Merchants Bank. Because it is safer and the interest rate is more transparent, but the pass rate is not as high as that of small commercial banks. There is no absolute difference between the two, and everyone chooses according to their own situation. Decoration loans from state-owned banks in the market are more popular with the public. After all, these are big banks supported by the state, which are relatively formal in all aspects and have lower interest rates than commercial banks.
Almost all large and small banks have decoration loans with similar interest rates, but the application threshold of commercial banks will be more relaxed. In fact, it is not difficult to apply for decoration loans in state-owned banks or joint-stock commercial banks as long as the borrower has good qualifications.
Relevant terms of decoration loan:
1 The approval rate and approval speed of banks will be affected by the qualifications of borrowers.
Decoration loan belongs to credit loan, which attaches great importance to the borrower's reputation.
Lenders should have stable working income and high-quality work units.
If the borrower's debt is too high, the bank will reduce the loan amount or even refuse to approve the loan directly.
5 need to prepare a valid personal identity card, household registration book, and bank flow in the last six months.
When choosing a bank for decoration loan, we can compare it from these aspects: comparing the application threshold, comparing the loan period and comparing the loan amount. Compare several banks and choose the one that suits you best.
Which platform is reliable?
Qianhua is a small loan product owned by Du Xiaoman. The maximum amount that users can apply for is 20,000 yuan, and they can apply for a loan only by providing relevant information such as ID card and mobile phone number. College students can't apply, the minimum daily interest rate is 0.02%, and the approval is extremely fast, and the account can be received in 5 minutes at the earliest.
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Third, the house decoration is short of money at home. How to deal with it? What are the requirements? ...
Yes, if you don't have real estate or local household registration, you can apply for housing loan and decoration loan. Compared with other personal loans, such loans have relatively loose conditions and lower thresholds. As long as there is a stable job and income, financial institutions can relax in a short time according to everyone's actual repayment ability, and the loan period is quite flexible.
4. Which is more cost-effective, decoration loan or credit loan?
If borrowers want to apply for credit loans for renovation, they generally need to apply for bank credit loans. Because the amount of private credit loans that can be approved is often relatively small, the amount of credit loans that banks can provide can reach 200,000 yuan.
According to the news from official website, a big bank, the benchmark interest rate of bank credit loans is 4.75%. Then the bank will make a certain interest rate fluctuation on the borrower's comprehensive score, which is about 20%. Generally speaking, if you apply for a credit loan from a bank, the annual interest rate of the loan will generally be around 15%- 18%.
The benchmark interest rate of the bank's renovation loan is also around 4.75%. However, due to the influence of loan channels, the loan risk is small, and the interest rate of decoration loans will generally be controlled at around 10%- 15%.
For example, CCB's fast loan is a consumer loan with an annual interest rate of more than 7.2%. The annual interest rate of the renovation loan of CCB is 3.85%. Judging from the comparison of loan interest rates, the bank's decoration loans are more cost-effective than credit loans.
If the borrower applies for a credit loan, the loan funds can be used for shopping, traveling and studying abroad. The purpose of decoration loan is relatively simple, and it can only be used in hardware stores and other places where decoration equipment is purchased.