How to operate the decoration loan?

First, how to operate the decoration loan?

It is not difficult to apply for a decoration loan, and ordinary office workers can apply. The specific application process can be understood through quick and easy loans, hoping to help the landlord.

Second, how to operate the decoration loan?

Decoration loan application conditions

Having a local permanent residence and a legal and valid identity certificate;

Have a proper occupation and stable income, and have the ability to repay the loan principal and interest when due;

The borrower can provide relevant asset certificates and vouchers. ;

Newly purchased houses are renovated, and information such as house sales contracts and purchase invoices (or original living materials) shall be provided;

Other conditions stipulated by the cooperation organization.

Decoration loan applicant

Method 1: Apply for personal credit loan decoration.

Generally, if a borrower can issue a bank account, he can apply for a personal credit loan.

The general personal credit loan amount is 5- 10 times of personal monthly income. If you have, you can borrow more. Generally, the longest loan period is 3 periods.

Now in the credit market, there are more and more lending institutions that can handle personal credit loans, unsecured and unsecured credit loans.

Mode 3: Apply for a loan from a consumer finance company.

In addition to traditional bank loans, loans from consumer finance companies are also one of the options. Consumer finance companies provide personalized financial products by waiting for unexpected customers. In fact, this kind of consumer credit has a market abroad, and the laws and regulations on credit are quite perfect. Different credit has different targeted laws to regulate it. However, China's consumer credit laws are not perfect and the market maturity needs to be improved. After being transplanted from abroad to China, consumer finance companies need to continue to explore ways in concrete practice.

Consumer finance companies and general consumption purposes), the loan amount does not exceed the individual's monthly income, and consumers do not have to worry too much about the guarantee method. Because of its inherent advantages, consumer finance companies largely make up for the slow speed of bank loan review.

Method 2: Apply for credit card home improvement by stages.

At present, some banks have launched credit card home improvement installment business in order to better meet consumers' home improvement installment needs. For those who live in large and medium-sized cities and just bought a new house, the maximum installation payment is 654.38+10-200,000, and the maximum installment amount of a single product is 500,000. However, it should be noted that some full-time employees and companies with registered capital of more than 30 million are middle and senior managers. The general stage of home improvement is 12 months, 24 months, and the longest is 36 months.

The restriction is that the services and products selected by consumers must be cooperative merchants of banks. If the selected merchants are not in the cooperative merchants of home improvement by stages, and there are no necessary conditions for other applicants, the buyers need to provide real estate licenses or real estate and bank loan contracts.

Consumers must be clear about the provisions of bank home improvement by stages, and pay attention to product quality and after-sales service, such as payment issues and liquidated damages. After all, it's easy to solve it in time if the money is given.

Decoration loan application steps

Step 1: Evaluate the renovation cost.

Step 2: Fill in the loan application form and describe the loan intention.

Step 3: Submit the loan application materials.

Step 4: Wait for the approval of the lending institution.

Step 5: Lend money after approval.

See www.m666111.com for details.

3. Guangzhou new house decoration loan application process?

First, the house inspection and property management people go to the house inspection together (it is best to have one or two people who know how to do things together). Check a few major events-1. Waterway: Is the water inlet pipe connected? Waterproofing of sewer pipes and waterproof layers, is the waterproof effect good? 2. Circuit: Does strong electricity (220v) enter the household? Is the entrance line greater than 6 square millimeters? There are weak lines (TV and telephone networks, etc.). ) into the home? 3. Civil Engineering: Is the wall flat? Are there any cracks? Is the cement grade of civil powder water (the surface of heaven and earth wall) high enough? 4. Doors and windows: Are they installed in accordance with the requirements of the house purchase contract, and how firm is the installation? 5. Indoor area measurement: Measure the usable area in detail (required during decoration design). Is the area consistent with the purchase contract? Second, the design 1, the layout of the house: according to my own understanding of the functional areas of the house, I like the style. Read more books on decoration. 2. Drawing of construction drawings (Only when workers construct according to the drawings can they achieve the original design effect. Draw detailed construction drawings with dimensions, such as decorative walls and furniture. After the above work is completed, the installation will be carried out. Third, the budget is based on the material price and construction details you know. Make a more realistic budget. Remember not to forget the loss problem in construction (generally about 5%) 1, water and electricity budget (water supply and drainage pipes and accessories, strong and weak wires, threading pipes and accessories, water and electricity installation costs) 2. Ground engineering budget (tiles, floors, etc. ) 3. Maximum project budget 4. Budget of wall engineering (wall paint, wallpaper, etc. ) 5. Woodworking project budget (furniture, decorative surfaces, etc. ) 6. Windows and doors project budget 7. Other project budget 4. Building interior decoration projects are usually divided into masons, plumbers, masons, carpenters, painters, cleaners, porters, professional product installers and so on. , and generally follow the following steps. (usually completed in 3 days) 2. Plumbers, wiring: installation and layout of circuits, waterways and gas paths. (usually completed in 4 ~ 7 days) 3. Masonry (water), civil engineering, wall and floor tile facing: burying trunking, building walls, repairing all kinds of heaven and earth walls, and laying floor tiles. (usually completed in 10 ~ 25 days) 4. Woodworking, decoration, fixture production: all decorative surfaces (heaven and earth walls) and furniture are according to the design requirements. (usually completed in 15 ~ 30 days) 5. Painters, furniture and wall coatings: all wooden furniture, decorative surface coatings, ceiling and wall coatings (latex paint, wallpaper wall covering). It usually takes 20 ~ 40 days to finish, especially when doing wall paint, which has a lot to do with the weather. 6. Installation of plumbers, lamps and sanitary wares. (usually completed in 3 ~ 4 days) 7. Others, install wooden floor curtains, install self-purchased hardware pendants, and clean up the whole land reclamation. (It usually takes 3 ~ 4 days to complete) 8. Now you can buy some furniture (such as sofa, dining table, etc.). ) and move. . You can move in after half a month (if the materials you use are environmentally friendly, after the renovation, you don't need to deal with indoor pollution, just ventilation. ) The above steps are cross-constructed. 5. The materials should be environmentally friendly and save money, and you have to work hard on the materials. Generally speaking, it is better to buy products with mid-range price. Wood: joinery board is about 80 ~ 100 yuan. Stone: marble is used more than granite (beautiful marble pattern, less radiation, but relatively poor hardness). Of course, granite is commonly used such as stairs. Decorative tiles: It is best to use several local brands. It is the high price. You can compare it yourself. Wall finish: Dulux, Nippon, China Resources and Chrysanthemum. . . . Furniture paint: Nippon/China Resources/Huili/Maydos/Huaguan. . . Wire: use the national standard solar card. Kunlun. Panda. Jin Tong et al.