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问一下贷款装修房子怎么贷？有什么规定吗

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问一下贷款装修房子怎么贷？有什么规定吗

浏览：37次 | 提问时间： 06-26 09:55

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3个答案

我是笑霸 06-26 09:56

1、借款人申请办理住房装修贷款，须到开办该项业务的营业网点提出申请，填写申请表，提交相关资料、办理有关担保手续；2、客户经理调查、审核同意后，报经有权审批部门审批同意后，签订借款合同；3、客户经理办理放款手续，将款项转入借款人在行个人结算账户上，客户即可使用贷款资金；4、借款人到营业柜台还款，或在存款账户或银行卡上留足还款金额，委托贷款银行代扣还款；5、贷款结清后，银行与客户解除债权债务关系，办理有关手续。希望我的回答能帮到您

闹钟毁了一大堆好听的歌 06-26 10:04

公积金不能用来装修贷款，只能是买房子、大修房子、租房子的租金超过收入的一定比例等才能申请贷款，装修不包含！

闹钟毁了一大堆好听的歌 06-26 10:12

装修贷款需要准备好贷款所需要的资料，具体资料如下：1、房产证或者购房合同。(没有拿到房产证购房合同也有效)2、夫妻双方身份证、结婚证，户口本。(未婚需要民政局未婚证明)3、契税发票。(买房需要交纳契税，交完契税的那张收据)4、收入证明。(必须是当地公务员或者享受财政工资的单位或者企业员工，盖单位公章才有效。如果满足不了第4条，可以选择第5条，两者取其一。)5、银行流水账单。(银行流水账目一年内至少合计50万元以上，满足不了第5条必须满足第4条，两者取其一。)6、装修公司装修合同。(需要某银行指定合作的装修公司装修合同，因为银行已经审核过该装修公司的硬件条件以及资质)银行的装修贷款资料准备好之后，需要把这些资料复印成复印件(收入证明需要原件)提交到银行等待审核，银行收到资料之后的几个工作日内对资料进行调查核实，贷款人配合银行调查通过后，签字之后就能完成装修贷款业务，拿到装修贷款了。

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