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个人住房装饰贷款有哪些注意事项？

个人住房装饰贷款有哪些注意事项？

浏览：45次 | 提问时间： 06-29 10:25

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摆渡人 06-29 10:26

你好，一、需证明房产属于自己。个人住房装修贷款是银行向借款人发放的用于自有住房装修的贷款。这里所说的住房装修，是指使用装饰装修材料对住房进行修饰和加工处理的工程活动，也就是说房产必须是自己的。　　
二、个人住房装修贷款的特殊要求。要有经有关部门批准的装饰装修企业所签定的住房装修合同、装修概算书及相关资料;部分银行也要求业主有不少于装修总预算30%的自有资金，并在使用贷款前投入项目建设。　　三、贷款年限问题。贷款最长期限不超过五年且不办理展期。　
四、单笔贷款数额。单笔贷款不超过装修预算工程款的70%，质押贷款的最高比例不超过本人储蓄存款的80%。
五、拟定装修合同。拟用于装修或抵押的房屋必须质量合格，产权明晰，不在拆迁公告范围内。
六、装修房屋的楼龄。拟用于装修或抵押的房屋的楼龄(即房屋已使用年限)不超过15年。
七、借款人的年龄。借款人的年龄加上贷款期限，男士不超过65周岁，女士不能超过60周岁。八、国家利率政策的调整。如遇国家利率调整，以最新基准利率为准。

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