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?
Perforated Metal Mesh, (also named Perforated Sheet, Perforated Metal) refers to the metal sheet products with various different holes on the surface. There are many kinds of punching wire mesh products. Different shapes, different sizes of holes, can adapt to different needs.
Material: Stainless steel, low carbon steel plate, galvanized, PVC, cold rolled coil, etc.
The types: pattern perforated sheet, forming perforated plate, extra thick punching net, ultra thin punching mesh, micro porous perforated sheet metal, wire cutting punching net, Laser punching net, etc.
Shape of Hole: Rectangular hole, square hole, diamond hole, round hole, hexagonal hole, cross hole, triangle hole, long round hole, long waist hole, plum blossom hole, fish scale hole, pattern hole, five pointed hole, irregular hole, bulge hole, etc.
Use: Sound-absorbing materials for ceilings and wall of buildings; Exquisite decorative board for building staircase, balcony, environmental protection desk and chair; Machinery and equipment protection cover, grille gorgeous, food, feed, mine mill sieve, sieve screen, I-beam, stainless steel kitchen equipment, food cover, blue fruit and other kitchen utensils, and shopping malls with shelves, exhibition decoration, ventilation network for grain depot, football turf seepage water filter and so on.
Size: 1.Thickness of coil: 0.2mm-1mm; Length: 20m
2. Diameter of hole: 1.5mm-10mm
3. Thickness of plate: 0.2mm-20mm;Width*Length≤1.5m*5m
4. Diameter of hole: 0.5mm-200mm
Hole diameter:
Generally speaking, the aperture size is approximately greater than or equal to the thickness of the plate, which is in accordance with the principle of minimum pore diameter. The closer the diameter of the hole to the thickness of the sheet, the greater the difficulty of processing and the higher the processing fee.. In some raw materials, the hole size can be less than the thickness of the plate.
Pitch
The pitch is
the distance between the middle of a hole and the other one, the nearest hole
in it. The middle distance is a way to represent the interval between holes,
and the other is the rate of opening. The essential meaning of the two
representations is the same. So you just need to identify one of them.
Arrangement of holes:
(detailed picture explanation)
We can make all kinds of difficult passes and
patterns. Although special requirements for pass and pattern require a
specified processing fee, the quotation for the usual pass is quite reasonable.
(1) 60 degree staggered row
60 degree staggered row is one of the most popular choices with its natural high strength and wide
aperture ratio and attractive appearance
(2) 45 degree staggered row
Compared
with the former, the 45 degree plum blossom provides another choice for people.
(3) Straight Row
Another kind of round hole placement is straight row, straight row can also have a variety of holes and opening rate, but it is the hole in the series of the worst compressive strength.
Structure:
Perforated Metal Mesh
Perforated Metal Mesh,Perforated Metal Aluminum Mesh,Stretched Perforated Metal Mesh,Stainless Steel Perforated Metal Mesh
Anping Xinzheng Metal Wire Mesh Co., Ltd , https://www.sievingmesh.com