Many of the renovation costs are not a complete performance delivery, because the project is very big, the outsourcing company or the intermediary will earn a part of the money, so the original cost is very affordable. In fact, there are many cases of kickbacks, and the decoration cannot be paid once. Clear, so people still have a lot of renovation loans. Then everyone will follow the Xiaobian together to see the relevant content of the interest on the decoration loan .
The interest rate of the bank's decoration loan products is generally floating on the basis of the central bank's benchmark interest rate, usually floating up, and the floating ratio is about 10%-50%. The benchmark interest rates for 2015 Bank Renovation Loans are as follows: The loan term has an annual interest rate of less than one year (including one year) of 5.60% for one to five years (including five years) of 6.00% for more than five years and 6.15%. The interest rate of commercial loans will rise above the national benchmark interest rate. Therefore, in actual processing, the bank will give a certain floating interest rate according to the borrower's comprehensive qualification. The actual handling is subject to the actual handling. Due to different geographical and banking conditions, interest rates on renovation loans vary from place to place.
First, how much interest on the renovation loan?
1. Decoration can be bank loan.
2. Home improvement loans, also known as renovation loans, refer to personal credit loans that are launched by banks or consumer finance companies for the purpose of home housing renovation, ie unsecured credit loans. The amount of personal loan replenishment loan issued by the bank shall not exceed RMB 150,000 in principle, and shall not exceed 50% of the total cost of renovation works. Home improvement loans currently have two types of loans and a credit card installment form, as follows:
(1) Apply for a personal credit loan to decorate;
(2) Renovation loans for personal consumption loans. The consumer loan here refers to a licensed mortgage loan, that is, a consumer loan that is mortgaged and applied for by the property. ;
(3) Credit card home improvement installment;
(4) Consumer finance company loans In addition to the traditional way of bank loans, loans to consumer finance companies are also one of the options.
3. Each bank has different interest rates, and different time periods are different. The specific advice is to consult the bank.
2. Loan interest rate: The loan term is within one year (including one year), and the interest rate is calculated according to the contractual interest rate. When the legal interest rate is adjusted, the interest rate is unchanged; if the loan term is more than one year, the legal interest rate is adjusted according to the people. Banks regulate interest rates to adjust interest rates.
Third, the loan amount: The maximum amount does not exceed 80% of the total amount of home improvement projects.
4. Term of the loan: Generally it is one to three years, and the maximum is no more than five years (including five years).
V. Loan conditions: Natural persons with full civil capacity; local permanent residence or valid residence status, fixed and detailed address; reasonable employment and stable and reliable source of income, good credit, and the ability to repay the principal and interest of the loan on schedule.
In principle, it is necessary to hold a home decoration agreement or contract and renovation project budget form signed with the decoration enterprise approved by the lender; provide the property credit, pledge or third party guarantee approved by the lender, and the guarantor is recognized by the Bank of China. The individual or unit of the ability shall be jointly and severally liable; the bank designated by the Bank of China shall have a certificate of deposit not less than 30% of the total amount of home decoration or a certificate of self-raising and payment of more than 30% of the decoration; Loan conditions.
How about, I saw the interest on the decoration loan above. A wonderful introduction. I also learned a lot about the interest rate of the decoration loan. I hope that you can learn more about home improvement knowledge through this article, and you will be able to create a more perfect home environment. Thank you for reading this article and your support and love for Xiaobian. If you want to get more information about home improvement, please continue to pay attention to the decoration home network.
More related wonderful reading:
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
Is the decoration loan cost-effective? Which way is the decoration loan good?
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