How to apply for a decoration loan?

Hello, you can apply for a decoration loan from a bank or financial institution. Because different banks have different thresholds for applying for renovation loans, whether they can pass the examination and approval needs to be judged according to the bank's policies.

When applying for a decoration loan, you need to submit proof of identity+proof of income+proof of real estate and other related materials. In this process, the bank will review the user's qualifications in combination with the user's work unit, social security, road running certificate, credit report, etc., so as to assess whether the user meets the bank's approval conditions.

According to the normal approval speed, the approval results will be available in about 7 working days. Whether the result is approved or not, the user will receive the corresponding SMS notification.

For lenders, if their personal qualifications are excellent, they can choose banks with low interest rates and high loan quotas. If the lender's personal qualifications are not very good, priority should be given to banks with lower requirements for the lender's qualifications.

Generally speaking, the application threshold of commercial banks is low, and the application quota of the four major banks is high or the loan application interest rate is low.

Small banks like Dongguan Bank, Guangzhou Bank, Shengjing Bank, Three Gorges Bank, Changsha Bank, Chouzhou, Dongying City Commercial Bank, Baoshang Bank and Jiujiang Bank. This kind of bank decoration loan is easier to approve, because the decoration loan review of small banks is relatively loose. The examination and approval time is relatively short, and the disadvantage is the high interest rate.

Big banks like China Bank, China Construction Bank, Agricultural Bank and Industrial and Commercial Bank. Decoration loans of such banks are relatively difficult to approve, because the approval of decoration loans of big banks is relatively strict. Advantages are low interest rate and long approval time.

Therefore, if you want to complete the approval as soon as possible, you need to choose a bank that suits your actual situation. If you are not clear about the bank's policy, it is recommended to consult a professional financial institution. They will compare the products of various banks, which can help users to match the banks suitable for their own situation as soon as possible.

I hope the above answers can help you!