What is the interest rate of decoration loan 0

2022-07-22
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For ordinary wage earners, buying a house with a loan has emptied all their savings, and they are powerless for house decoration. Loan decoration is also increasingly favored by the public. Then, what is the interest rate of decoration loan? Xicai Xiaobian is here today to show you the rising posture

it is reported that the expected annualized interest rate of housing decoration loans is floating according to the expected annualized interest rate of standard bank loans. Generally, the expected annualized interest rate of decoration loans is floating upward. Of course, if the credit policy is relatively loose, it does not rule out the possibility of applying for the benchmark expected annualized interest rate. Generally speaking, the term of decoration loan is 3-5 years, during which the benchmark expected annualized interest rate of loan is 6.40%

in addition, it should be noted that:

1. Housing decoration loans are loans issued by banks to borrowers for the decoration of their own homes. The housing decoration mentioned here refers to the engineering activities of using decoration materials to decorate and process the housing. That is to say, the property must be owned by itself

2. Special requirements in housing decoration loans are: Housing decoration contracts, decoration budget estimates and relevant materials signed with decoration enterprises approved by relevant departments; Some banks also require the owners to have their own funds of no less than 30% of the total decoration budget, and invest in the project construction before using the loan

3. According to the regulations of the bank, cash withdrawal is generally not allowed for personal consumption loans. The bank will transfer the money to the account of the decoration company

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