Generally speaking, banks that cooperate with decoration companies are easy to handle. If the decoration needs a loan, when you find a decoration company, it means that you have to pay for the decoration. The decoration company will help you contact the bank they cooperate with and help you apply for a loan, depending on how much money you have for decoration and how much you want to borrow. Generally, some banks take the initiative to lend money for three years and interest-free for two years.
Second, apply for a decoration loan, whether to designate a decoration company?
No, the decoration loan only explains the purpose of your loan. Banks and decoration companies will not reach such a cooperative relationship. You can consider filling out a form in 3 minutes on the leading online lending platform in China, and fill in the address of the free application form:/activity/product/decoration-webtech.html. Professionals will evaluate it for free, so that you will know how to borrow and how much you can borrow, and it is also convenient to see your qualifications.
Third, how to borrow the decoration loan? What should I pay attention to when decorating a house?
If you want to decorate immediately after buying a house, buyers may be under great pressure, so you will want to apply for a decoration loan. How to borrow a decoration loan? What should I pay attention to when decorating a house?
The decoration loan is earmarked for the special purpose and can only be used for decoration, which requires the borrower. Generally, citizens with full capacity for civil conduct must be at least 18 to 60 years old. Eligible borrowers can follow the following procedures, and the decoration loan procedures of major banks are actually similar.
1. Application: The lender applies to the bank, fills in the decoration loan application form, and provides relevant materials, including my valid ID card, income certificate, renovation contract signed with the decoration enterprise, and other materials required by the bank.
2. Signing: After receiving the application, the bank will investigate and review the information provided by the lender, and then sign a loan contract with the lender. If the decoration loan is a mortgage loan, it is necessary to sign a guarantee contract and register the mortgage.
3. Bank loan: Just sign a contract and wait for a bank loan. Some banks lend money directly to the account of the decoration company, and the lender can go directly to the decoration company for decoration. Some banks lend money to lenders' bank cards, but they can only swipe their cards at designated decoration companies.
What should I pay attention to in house decoration?
1. Don't make holes in the wall at will.
Punching holes in the wall at will destroy the stability of the wall, so we should pay special attention not to punch holes in the load-bearing wall or install some windows or doors at will, which will destroy the balance of the load-bearing wall, have a serious impact on the seismic capacity of the house and reduce the service life of the house.
2. Choose environmentally friendly furniture.
When buying furniture, try to choose environmentally friendly furniture to create a green home environment. A healthy body is the most important thing. When buying lamps, you must conform to the atmosphere of the whole home. If the space at home is not very large, try not to buy lamps that occupy a large space, such as chandeliers, and try to buy glass and stainless steel. And don't buy painted or painted lamps to avoid fading and unsightly.
3, the bathroom should pay attention to waterproof.
Waterproof is mainly to pay attention to the bathroom, because the bathroom will be very wet, so we must first test the water to ensure that the bathroom is not leaking, and then carry out other installations, and pay attention to the bathroom as far as possible not to install switches.
4, building materials should pay attention to waterproof and moistureproof.
Especially in summer, building materials are easy to get wet, so we should pay attention to the moistureproof of building materials, such as cement, and try not to put them directly on the ground.
Fourth, the decoration loan, but I don't want to find a decoration company, I want to decorate myself. Can I get a loan?
Decoration loan:
Home improvement loans are also called corporate loans, and personal credit loans for the purpose of family housing decoration are not available.
Accept credit loans. In principle, the single loan amount of personal housing renovation loan issued by the bank shall not exceed 654.38 yuan +0.5 million yuan, and shall not exceed the installation amount.
50% of the total repair cost. At present, there are two kinds of home improvement loans and a credit card installment form to apply for.
The details are as follows: 1, repair; 2. Personal consumption loan decoration loan. Consumer loans here refer to holding loans.
Liquidation period
The shortest half a year, the longest five years (including five years).
Mortgage loan, that is, consumer loan with real estate as collateral and application. ; 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 optional.