Can I get a bank loan for house decoration?

Yes, housing decoration can be loaned, and some banks have specialized housing decoration loan business.

For example, CCB's housing installment loan:

I. Installment payment business

Refers to the business that the cardholder applies to use his credit card to purchase goods or services (including decoration, building materials, furniture, home appliances, wedding, education and training, tourism, department stores, etc.) at the merchants designated by CCB. ), and with the approval of CCB, the cardholder pays the settlement money at the merchants designated by CCB through the special installment POS machine, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays the money every month within the agreed time limit and pays a certain handling fee.

Second, two housing modes in stages.

①

You can choose a decoration company that cooperates with CCB to contract materials and pay the decoration company in one lump sum.

②

You can also choose a number of merchants such as tiles, wallpapers, cabinets, furniture and home appliances that cooperate with CCB. Purchase materials and decorate yourself.

Three. Number of installments, amount, purpose and handling fee

①

Number of periods: 6 periods, 12 periods, 18 periods, 24 periods and 36 periods, each period is one month.

②

Quota and purpose: the applied quota is more than 20,000 yuan (inclusive) 1 10,000 yuan (inclusive), and the validity period of the quota is 6 months from the date of lending; You can swipe your card at different merchants for many times, but the amount of each swipe must not be less than 1000 yuan.

③

Handling fee: the total handling fee rate is 2% for 6 months, 4.5% for 1 year, 6% for 18 months, 8% for 2 years and 0/2% for 3 years. The handling fee rate borne by the merchant shall not be less than 1%, and the rest shall be borne by the customer.

Fourth, business characteristics

①

Dedicated line-exclusive installment quota, which does not affect the use of fixed credit card quota for customers.

②

Flexible use-a number of designated cooperative merchants use it flexibly, and compared with the entrusted payment method of personal loans, customers have a wider consumption range.

③

Simple procedures-exclusive one-stop channel, customer application procedures are simple and fast.

Verb (abbreviation for verb) Information required for customer application.

①

Longka credit card installment application form;

②

Identification certificate;

③

Copy of CCB credit card (double-sided);

④

Financial certificate;

⑤

Real estate license;

⑥

Letter of commitment for the use of credit card installment payment business line in Longka;

⑦

Long card credit card installment interview questionnaire.

Note: the applicant who needs to decorate the house must be the owner himself and the owner's spouse, parents, children, etc.

Lending and use of intransitive verbs

①

It takes about 65,438+05 working days for customers with cards and 65,438+05 working days for customers without cards from the time CCB receives the complete application materials from customers to the time when the credit line arrives.

②

In the process of examination and approval, CCB staff should contact the applicant to check the relevant information of the application, and ask the applicant to keep the contact number open after submitting the application, so as not to affect the time limit for examination and approval.

③

After the approval, CCB will notify the cardholder of the credit line by SMS and telephone. The cardholder takes the CCB credit card to the cooperative merchant and pays by swiping the card with the CCB POS machine. The special amount can be used several times according to the progress of the renovation project, but the amount of credit card swiping each time cannot be less than 1 1,000 yuan. At the same time, pay attention to the number of periods and handling fees listed in the POS receipt after swiping the card.

Seven. Charge and repayment

①

The "0" interest, the "0" down payment and the handling fee of the house installment payment are collected at the first repayment, and the handling fee is not paid if the money is not used after the account is received.

②

For example, the customer swipes the card on 16 for one year, with the interest rate of 3.5%, the billing date is 17 June, and the due repayment date is the 7th of the following month. The total amount to be repaid in the first repayment = 65438+100000 yuan * 3.5%+65438+1000000 yuan/12 = 3500+8334 yuan.