The current rate of increase in house prices is simply to break the record high. Some people only pay for the down payment of the house, and they also need a fee in the later decoration process. What should I do? The loan appears in people's lives, but the loan is also conditional. How can the loan be loaned ? What are the conditions for the renovation loan? The answers are all below, listen to Xiaobian!
First, how to loan the renovation loan - the conditions of the loan:
1. Have a permanent resident residence or a valid residence status.
2. A certificate with the property right certificate or the borrower issued by the property owner of the house owns the right to use the house; if the property of the house you want to decorate is your own, you must have a title certificate. If it is a unit, you need a unit. Proof that you have the right to use.
3. Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on time.
Second, how to renovate the loan - the type of loan
1. Apply for a personal credit loan to decorate
Credit loans are unsecured and unsecured, but 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 nature of the applicant's work, the industry in which it is located, and the income status. How to renovate the loan? Will consumers of Ningbo Bank, Bohai Bank, Standard Chartered Bank, Citibank and other banks' credit personal loan products, these bank credit lines are typically 5-8 times monthly income, of course, interest rates will be higher.
2. Renovation loan for personal consumption loan
The consumer loan here refers to a licensed mortgage loan, that is, a consumer loan that is mortgaged and applied for by the property. Since many banks carry out this business, the choice of consumers is relatively large. However, banks have different requirements for the price, age, and area of ​​the mortgaged property. Consumers must do their homework before applying. If an individual has one or more sets of properties, they can try to apply, not only will the loan amount be more, but the term will be longer. However, the specific loan amount depends on the bank's review of the individual qualifications of the consumer and the status of the property (location, price, real estate area, age).
3, 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. To view a list of banks that can apply for home improvement in China, please check the 2009 China Loan Product Selection.
Applying for credit card installment will also be subject to certain restrictions. That is, the service and product selected by the consumer must be the cooperative merchant of the bank. If the selected merchant is not installed in the installment business, it cannot apply for the installment. With the prerequisites, what are the conditions that the applicant must have? Real estate! As a mortgage guarantee, the buyer needs to provide real estate license or real estate sales or pre-sale contract, purchase invoice, bank loan contract and so on.
Consumers must be aware of the various provisions of the bank's home improvement, such as credit limit and consumption quota, repayment problems, and liquidated damages. Once you apply for credit card home decoration, you should also pay attention to product quality and after-sales service. After all, the money has been given, and once the quality problem occurs in the decoration process, it is easy to solve in time.
4. Consumer finance company loans
In addition to the traditional way of bank loans, lending to consumer finance companies is also one of the options. Consumer finance companies have provided personalized financial products to customers who cannot be considered by commercial banks and credit cards. In fact, such consumer credit has existed in foreign market economies for more than 400 years, and the relevant legal provisions on consumer credit have been quite perfect. Credit, there are different targeted laws to regulate. China's consumer credit law is still not perfect, and market maturity needs to be improved. After the consumer finance company is transplanted from abroad to China, it still needs to continue to explore the road in the specific practice.
Through the above introduction, I believe that everyone has a certain understanding of how to renovate the loan, and the decoration loan is a common thing among us, so we must understand the relevant knowledge and lay the foundation for the future. Want to know how to decorate the decoration loan more decorative information, please continue to pay attention to the decoration home network!
More related wonderful reading:
What is the interest on the renovation loan? Renovation loan terms
Renovation can loan? Renovation loan method
How to make a home renovation loan? Bank decoration loan conditions
How to apply for the provident fund renovation loan? Application steps
Second-hand housing renovation loan process second-hand housing renovation loan considerations
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