Home improvement staging considerations home improvement staging method
What should be paid attention to in the credit card home decoration staging? The advantage of credit card home decoration staging is that there are more banks to choose from. The disadvantage is that there are more materials to be reviewed. "Payment by credit card is equivalent to the bank paying the cardholder to pay the amount of consumption, and the cardholder will return the money to the bank in a month. No matter which kind of decoration loan method, there are advantages and disadvantages. I suggest you choose the method that suits you. Today, the decoration home decoration network Xiaobian will come with everyone to see the precautions and methods of home decoration staging !
Handling the business process of home improvement staging:
1. The customer fills in the application form at the CCB outlet and submits relevant materials such as ID card and real estate certificate;
2. CCB accepts customer applications and notifies customers of the results of the approval;
3. The customer applies for the amount of the application to CCB according to the progress of the house decoration;
4. CCB will issue the decoration quota to the credit card/dedicated debit card account under the customer name; 5. The customer will use the special debit card to spend in the specified type of merchants in the Bank, and the amount will be repaid according to the credit card statement.
If you need to apply, you must submit the following application materials at the designated acceptance point of CCB (the designated acceptance points include CCB outlets, personal loan centers, etc., the application materials required by each region may be slightly different, which is subject to the local construction bank's publicity):
1. I and the owner’s ID card
2. Proof of the property of the required renovated house;
3. Proof of the relationship between the applicant and the owner of the house;
4. Work and income financial proof ;
5. "Longka Credit Card Decoration Instalment Business Application Form"
First, the credit card decoration installment payment needs to specify the decoration company
China Merchants Bank has launched a large-scale contractor package renovation period, and almost all the renovation funds can be covered. However, in order to enjoy this business, you must sign an agreement with the designated decoration company to receive a large amount of renovation money. The decoration staging business does not occupy the cardholder's credit limit, and the relevant funds will be directly credited to the decoration company account without going through the cardholder's account. However, the same phased, different merchants, the installment fee rate is also different.
Second, ordinary credit card installment payment can also be used for decoration
In fact, for most cardholders, if there is no need to pay instalments for labor costs during the renovation process, there is no need to apply for credit card decoration installment payment, which can save a lot of application time. At present, most banks have consumer installment payment projects. In many professional large-scale decoration supermarkets, credit card centers will also hold instalments from time to time. In addition to appropriate reduction of installment fees, they can also receive gifts of varying amounts. Home decorators can get all the home improvement items in one of these large decoration markets, and they can also achieve the purpose of home installment payment.
Third, before the credit card decoration installment payment, compare the price
Since the bank currently provides the home improvement installment payment business, it must sign the decoration contract to the designated decoration company, and the decoration price covers more content. It is recommended that the cardholder may go to the decoration market to touch the market before signing the contract. The same grade of decoration company, in the case of the same service content, understand the different prices. Of course, the cardholder can also go to the decoration company that is preparing to sign the contract first, then talk about the installment payment business, and see if there will be a difference in the middle.
After the credit card decoration installment payment, another problem that everyone is worried about is that once the project quality problem occurs in the home improvement process, the cardholder may be in a passive position because it has paid in full. The above is the note and the handling method of the home improvement staging introduced for you today. I want to know more information, please continue to pay attention to the decoration home.
More related wonderful reading:
Is it a good application for a public housing renovation loan? how to apply?
Is the decoration loan cost-effective? Which way is the decoration loan good?
How to apply for a renovation loan? Renovation loan application process
How to make a loan for renovation? Decoration loan knowledge guide
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