Is there a renovation loan or renovation installment? 10

If there is a housing loan, there must also be a decoration loan, and some banks have a special decoration loan business and apply for special decoration funds.

In addition to banks, there are also many bigger companies that also provide home improvement installment business, National Day with friends to run home improvement companies, in Red Star Macalline to see decoration, home installment activities, and the profit is large, the activity is free of interest for up to one year!

Because I want to partially decorate my home and renovate the layout of the living room, I also pay attention to their business.

If you want to purchase goods or contract services at designated cooperative merchants (such as home improvement companies or home furnishing brands), after verification, you can initiate installment payment, and the corresponding transaction amount will be divided into several equal installments, and the monthly repayment will be made within the agreed period, and a certain service fee and handling fee will be paid at the same time.

How big is the quota? What is the maximum number of installments? How is interest calculated?

Yes, their quota is said to be up to 200,000, which is enough for my partially renovated family. Now there is a family that is a villa, saying that 200,000 is not enough, and then the business staff said that if the husband and wife jointly loan, the maximum is 400,000, haha, this is enough, so I want to renovate and reinstall it all.

As for the number of installments, the longest is 36 installments, and of course there are 6, 12, and 24 installments if you want to be shorter, depending on each person's situation. Another point is that you can repay the loan in advance, and there will be no interest later.

Also, my friend tried it on the spot, and it was successfully passed, haha, and he actually got a quota of 160,000. At that time, the sales staff said that as long as the decoration contract was signed, it could be used.

I think it's almost the same in ** loans, the key is speed, don't be too troublesome. You told me to run to the bank, to be honest, think about the queue, I'd rather ask a friend to borrow money.

By the way, if you want to do installment friends, remember to bring your ID card, bank savings card, credit card, after all, you still have to point to the formalities to prove, but this thing is nothing, they are all carried, this design is still more humane.

Okay, let's not talk about it, after typing so many words, you should add me a chicken leg, right? Haha

Decoration loans, my friend is used in Qixi during the National Day, and now many decoration companies have launched a decoration installment loan model, which is more practical for the owners and greatly reduces the economic pressure!

If you are lucky, you will be able to waive the interest for half a year and a year at one time when you meet them to do activities, and you will encounter great benefits! If you want to take a look at this piece, you can take a look at it more.

Now it seems that banks are not good at lending, so you can find a business loan.

Yes many platforms do.

[Calculate how much it will cost you to renovate your home].

Yes, such as: After the decoration contract is signed, about 50% of the decoration cost is paid first, which is mainly used for the purchase of decoration materials. When the renovation construction is close to half, you need to pay about 30% of the renovation cost.

After the renovation project is completed, about 15% of the decoration price will be paid. The remaining 5 percent can wait until three months later to ensure that there are no quality problems before delivery. However, when choosing to pay in installments, you also need to be aware of the pitfalls that are prone to occur.

The common ones are as follows.

1. The follow-up costs are difficult to estimate.

Many decoration companies use the slogan of zero down payment or low payment to attract users before construction, but once construction begins, various material costs will follow, and even the labor cost of construction will be passed on to this material cost. So most of the time, it is difficult for us to control the construction process and decoration quality.

2. It is difficult to guarantee the construction quality.

This kind of company that can realize the installment payment of decoration, some of them have strong economic strength and can withstand the cost pressure of advance payment. The second is to use credit to material suppliers, or to reduce labor costs, and so on. In any case, if there is cost pressure, the risk may be passed on to our consumers by reducing labor costs, cutting corners, shoddy, delaying deadlines, rushing to completion, etc.

3. It is difficult to sort out various expenses.

If you apply for a loan from a financial institution, such as a bank or other lending institution, you need to pay attention to what costs will be borne in the loan agreement, such as interest, service fees, living expenses, etc.

[Enter the area and get the decoration for free**].

[Enter the area and get the decoration for free**].

OK. Renovation can be paid in installments, many banks have this business, usually, the owner needs to provide an ID card.

Title deed, proof of income.

As well as proof of the budget of the renovation company, and the borrower's credit is in good standing. Some renovation companies also support installment payment, and the down payment is due when the renovation contract is signed.

Extended MaterialsThe decoration deposit is paid synchronously when signing the decoration contract, generally a fixed amount of about 20,000 yuan, when the owner signs the decoration contract and pays the decoration deposit, the two parties can not regret it, otherwise they need to bear the responsibility for breach of contract.

2.Hydropower construction funds Hydropower construction funds must be in place before the start of construction, and the money included in the full package repair will include about 30% of the total cost of construction and materials, of course, each company has different requirements and regulations, or negotiate on its own.

3.Hard mounted. Construction money Before the hard decoration construction, the third decoration money needs to be paid, and the amount of the cost is similar to the second decoration payment, and the construction will be completed after paying this payment.

4.Balance payment After all construction acceptance is completed, the owner needs to pay the final payment within a certain period of time, which is generally 10% to 20% of the repair payment. Although Hefei home improvement company can be paid in installments, but many times it is also necessary to apply, so not all decoration is installments, if you can meet a company that can be installment, then hurry up, such a company must be a conscientious company.

Home Improvement Loans. Also known as renovation loans, it refers to personal credit loans launched by banks or consumer finance companies for the purpose of family home decoration, that is, unsecured credit loans. In principle, the single loan amount of personal housing decoration loan issued by the bank shall not exceed 150,000 yuan, and shall not exceed 50% of the total cost of the decoration project.

2. There are two types of loans and a credit card installment form that can be applied for home improvement loans, which are as follows.

1.Apply for a personal line of credit to renovate.

2.Renovation loan for personal consumption loan. The consumer loan here refers to the licensed mortgage, that is, the consumer loan that is mortgaged and applied for with real estate.

3.Credit card home improvement installment.

4.In addition to the traditional way of bank loans, loans to consumer finance companies are also one of the options available.

3. Application requirements.

1.Have a local permanent residence and legal and valid identity certificate.

2.Have a legitimate job and stable income, and have the ability to repay the principal and interest of the loan when due.

3.The borrower can provide proof of assets and bank statements.

Tax bill certificate, etc.

4.For the renovation of the newly purchased residence, the house sale contract, purchase invoice and other materials shall be provided (or the original residence shall be renovated again, the house ownership certificate shall be provided).

5.Other conditions stipulated by the cooperating institutions.

As long as you apply for a renovation loan, you can pay in installments, but this money can only be used for decoration costs, not for other purposes, and I heard that the interest rate is not high.

How to use a renovation loan? How does a renovation loan work?

Renovation is a headache, and many people spend all their savings to buy a house, resulting in overstretched renovation. At this time, many people will choose to apply for a decoration loan, so how to operate and use the decoration loan?

Method 1: Housing Provident Fund Renovation Loan.

Taking Minsheng Bank's "Gongxi Loan" as an example, if you have paid the provident fund for more than 1 year, the monthly personal deposit is more than 500, and the credit is good, you can apply for a personal provident fund credit loan, which can be used for decoration, and does not require collateral, and the expected annualized interest rate of the loan is relatively low, which is an affordable loan option.

How to apply: Individuals need to meet certain requirements to contribute to the provident fund before they can apply to the bank.

Method 2: Credit card installment.

With the popularity of credit cards, more and more people choose to choose credit card installments to meet their consumption needs when buying cars and decorating.

How to handle: The decoration company has cooperation with the bank, and only if this condition is met can you apply for credit card installment.

Renovation loans. Method 3: E-commerce decoration loans.

With the rise of e-commerce, its tentacles have also extended to the field of loans. Nowadays, there are some specialized e-commerce decoration loan products on the market. Such as Tuba Rabbit's renovation loan and Suning Tesco's wayward beauty home. This type of renovation loan is simple and convenient, especially suitable for young people.

Method 4: Mortgage Loan.

If you use a property or car as collateral, you can also get a loan approved. The biggest advantage of this type of mortgage is that the processing fee is cheap, and you can also get a relatively low expected annualized interest rate on the loan.

How to handle: It is necessary to use the property as collateral, and the handling procedure is complex and the cycle is long.

Method 5: Consumer loans.

Due to the simplicity of approval and fast disbursement, consumer loans have increasingly become the preferred way for people to meet their financial needs. Renovation is one of the uses. Compared with credit card installment and e-commerce renovation loans, consumer loans have a wide range of independent choices, but compared with mortgage loans, their handling fees and expected annualized interest rates are higher.

How to handle it: As long as the salary flow meets the standard and the personal credit is good, major banks and small loan companies have such business for processing.

1. Proportional arrangement of installment payment. According to the practice of the decoration industry, the proportion of the first set of decoration costs is very large, generally more than 50% of the total decoration costs. This cost is mainly used for the purchase of decoration materials and to pay for the first work of the construction team.

Thanks to the renovation company.

The proportion of what owners are required to pay varies greatly depending on the way they are managed, ranging from 50% to 70% to 75%. Before making the payment, the consumer should first sign a valid home renovation project construction contract with the renovation company. After the first renovation payment, the construction team entered the construction site.

Construction begins. 2. After more than half of the project, after the quality acceptance is qualified, the owner will pay 25%-30% of the second phase of the project to the decoration company. The decoration company must ensure the quality problem to be solved before payment. The second installment can only be paid after the consumer confirms that there is no quality problem.

3. After the construction is completed and the quality is qualified, the owner pays 5%-10% of the final project price, which is prone to problems. The owner refused to pay for the project due to inconsistent decoration materials, quality problems, and long construction period. In fact, these problems must be solved in accordance with the contract.

Disputes can be avoided if the contract is strictly signed before the renovation.

4. After the project is completed and the site is cleaned up, the customer retains 5% of the total price of the project as a quality guarantee, which will be paid after half a year, and the rest of the project will be accepted on completion.

After the completion of the satisfaction of both parties, a lump sum payment will be made to the decoration company.

If you are in Urumqi, you can renovate the house in installments.

Is it reliable to pay in installments for decoration.

Experts said that home improvement installment services can benefit three parties, namely banks, bank-designated cooperative merchants and owners. It is believed that the home improvement installment business can not only bring convenience to the owners, but also promote the development of the home improvement industry.

According to the domestic home improvement market, if there is no help of decoration loans, the decoration of the new house is less invested, and the effect of the house decoration is often unsatisfactory, and when they have certain economic conditions, they will renovate the house, which will cause unnecessary waste. If there is a flexible home improvement installment business to relieve the pressure of the owner, it is indeed a good way, and it is also more reliable and reassuring at present. It is understood that after the emergence of the home improvement installment business, more and more owners are optimistic.

Can decoration be paid in installments, how to operate.

Yes, if you normally find a decoration company, you should pay in three installments. The down payment is payable when the decoration contract is signed, and then the interim payment and the final payment are paid at the time of mid-term acceptance.

That is, the whole decoration company is done to deal with, if the other company is not in accordance with the contract to pay to sign the contract, it is recommended not to believe, this is responsible for themselves, generally small, simple home decoration can be completed in more than 1 month, the money is as tight as Yun Shizhang, you can slow down, if you find outside workers to do, it will be cheaper, but the quality can not be guaranteed, there is no after-sales.

Is it reasonable for the renovation company to charge an upstairs fee?

This fee is reasonable, each company charges differently, just like you buy the same thing different stores have different **, on-site management costs sometimes change according to the cost of the project, some decoration companies in order to attract owners, sometimes discounts or.

1. Upstairs fee, workers are now carrying materials upstairs, and they also need to pay for themselves. Now it is not quietly transported before, when doing the work, there is no charge for doing it, and now the cost of labor is generally high, and now the price is high, and the cost of living is high, so the labor cost is high.

2. Finished product protection fee, many companies need to customize a special protective film for finished product protection, which also requires a cost, for example, but it may come out of the factory, 3 pieces, to your home to 6 pieces, in addition to the company's profits, may also add transportation, storage fees. Although some companies do not do a good job in the protection of finished products, but this is a project that can increase income, it is recommended that before you sign the contract, let them write down what the protection is and what to achieve.

3. Garbage removal and transportation, usually refers to the transportation of garbage to the community to develop a decoration garbage dumping point, the old community 1 will not have it, and there may be additional garbage removal freight. It also requires the cost in it, the first is the labor cost, the second is the material cost, that is, the weaving bag, broom, shovel and so on. In fact, these have also added to the company's profits.

Some people may say that the original decoration did not seem to have these projects, because at that time everyone was more general (contracts, budgets, and some even did not have a budget list), all of which were included in it, and now it is subdivided. And after the subdivision, the company is better able to collect money from you, and you are willing to pay this money after the explanation.