Renovation can loan? Renovation loan method
For the working-class people, we have already spent a lot of money on the purchase of the house. Many people have no ability to renovate when facing the renovation. In this case, many people think of a problem, that is, can the decoration be loaned? Many people are considering such a problem. Today, Xiaobian will take a look at the decoration loan and the decoration loan method!
Can the house renovation be loaned?
1. Apply for personal credit loan to decorate
This method is characterized by high requirements for applicants, that is to say, the threshold is high, tailor-made for some special industries, VIP customers, senior management of the company, it is necessary to examine the nature of the applicant's work, the industry, Details such as income status generally do not require mortgages. The loan amount is 5-8 times of monthly income, and of course the interest rate will be higher.
2. Renovation loan for personal consumption loan
This method is different from the former. It needs to carry documents, such as real estate and consumption. The choice for applicants is larger, but each bank has different requirements for applicants in terms of house price, age, and real estate area. You can do your homework in advance. If you have one or more sets of properties, you can try to apply. The loan amount is longer and the period is longer, but it depends on the specific loan amount, personal qualification and property status.
3, credit card home improvement staging
Due to the limited affordability of the applicants, many banks have introduced a more humane product, which is the credit card staging business. It is mainly for people who live in large and medium-sized cities, who have just bought a house and have no money to decorate, but require applicants. The credit record is good, usually the upper limit is 100,000-200,000, and the maximum installment quota for individual products is 500,000. However, the applicant is required to be a civil servant, a teacher, a formal employee of the bank, and a company with a registered capital of more than 30 million as a middle and senior management. The home improvement instalment period is 12 months, 24 months, and the longest is 36 months.
4, business characteristics
1 Special quota - exclusive installment quota, does not affect the use of customer credit card fixed amount.
2 Flexible use—Multiple designated partners are flexible to use, and customers have a wider range of consumption than the one-click payment method.
3 Easy procedure - exclusive one-stop access, customer application procedures are simple and fast.
5. Customer's application for information
1 “Application Form for Longka Credit Card Settlement Payment Serviceâ€;
2 identification;
3 Copy of the construction bank credit card (both sides);
4 financial proof;
5 property certificate;
6, lending and use
1 From CCB, receiving the complete application materials from the customer to the account can be paid by credit card. It takes about 10 working days for the card customers, and 15 working days for the cardless customers.
2 During the examination and approval process, CCB staff should contact the applicant to check the relevant information of the application. Please ensure that the contact number is kept open after the application is submitted, so as not to affect the time limit for approval.
3 After the approval is passed, CCB will notify the cardholder of the amount of text messages and telephone calls. Construction Bank credit card holders who co-tenants to use at the bank POS machines dedicated credit card payments, dedicated lines can be used according to the progress of renovation work several times, but each time credit card transactions can not be less than 1,000 yuan. At the same time, pay attention to check the number of periods and handling fees of the POS receipt after the card is finished.
The above is the Xiaobian today's decoration for you to introduce the loan and the decoration loan method is here to end, I believe friends have a certain understanding, about the house decoration can lend the problem you can refer to, want to understand For more information, please continue to pay attention to the decoration home.
More related wonderful reading:
Can the house renovation be loaned? Loan renovation house considerations
How much is the renovation of the new house? Can a new house renovation be loaned?
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