Home improvement loans are now more used by people, which will bring great help to our lives. Especially for those families with limited economic conditions, it is much more convenient to have a home improvement loan. What are the types of home improvement loans ? If you want to know more about this, just let's take a look at the decoration of the home of the decoration home.
First, the method steps of home improvement loans
1. The borrower applies for the housing renovation loan, and must apply to the business outlet that opened the business, fill out the application form, submit relevant information, and go through the relevant guarantee procedures; after the customer manager investigates and approves the approval, the applicant has the right to approve the approval. After agreeing, sign the loan contract.
2. The account manager goes through the lending procedures and transfers the money to the borrower in the personal settlement account of the bank. The client can use the loan funds; the borrower repays the loan at the sales counter, or keeps the repayment amount on the deposit account or bank card. Entrusted loan bank withholding repayment; 5) After the loan is settled, the bank and the customer cancel the creditor-debtor relationship and go through the relevant formalities.
3. Application conditions. Have a permanent residence permit or a valid residence status; a certificate with the property right certificate or the borrower issued by the house ownership unit has the right to use the house; if the property you want to decorate is your own, you must have a title certificate, if The unit of the house needs to be proof of the right to use by the unit; it has a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule.
Second, the types of home improvement loans
1. Apply for personal credit loan to decorate
Credit loans are unsecured and unsecured. More than half of the credit loan products on the market are highly demanding from consumers, or the threshold of asset certification is high, or people in specific industries, VIP customers, and senior management of the company can apply. It is necessary to strictly examine the details of the applicant's work nature, industry, and income status. More popular among consumers are the personal credit loan products of banks such as Ningbo Bank, Bohai Bank, Standard Chartered Bank and Citibank. These bank credit loans are generally 5-8 times of monthly income, and of course the interest rate will be higher.
2, credit card home improvement staging
In order to better meet the needs of consumers' home furnishings, some banks have launched credit card home improvement staging business, targeting people who live in large and medium-sized cities, have just purchased new homes, have no money to decorate, and have a good credit history. The general limit is 100,000-200,000, and the maximum installment amount for individual products is 500,000. However, it should be noted that applicants are civil servants, teachers, and regular employees of banks, and middle and senior management personnel with registered capital of more than 30 million. The average home improvement period is 12 months, 24 months, and the longest is 36 months.
Home improvement loans are now more used by people. If the economic conditions are limited, they can borrow. Then there are those methods and types of home improvement loans. I think everyone can understand these through Xiaobian’s introduction. If you want to know more about decoration, please stay tuned to the decoration home.
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