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求告知怎么办理贷款装修

求告知怎么办理贷款装修

浏览：44次 | 提问时间： 09-04 03:16

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3个答案

喜歡就是淡淡的愛 09-04 03:17

你好,办理个人装修贷款,应该要有稳定、合法的收入来源,有按期偿还贷款本息的能力可以才申请个人装修贷款,解决您的困扰。以下是需要准备的材料,个人消费贷款业务申请表,个人装修贷款申请人资料,保证人资料如保证人为企业法人或其他经济组织的,应提供营业执照副本、上一年度及最近季度财务报表等资料,以抵(质)押方式申请贷款的,借款人与装修公司签定的住房装修合同原件并核实原件后保留复印件;待装修或正在装修房产照片

霏雨君兮卿衫隐 09-04 03:34

1/8年满18周岁(含)以上、60周岁(含)以下,有固定住所,持有效身份证件的具有完全民事行为能力的中国公民(含港、澳、台胞);2/8有稳定、合法的收入来源,有按期偿还贷款本息的能力;3/8能够提供我行认可的担保;4/8品行良好,无不良信用记录和不良行为记录,当前在个人征信系统、信贷管理系统中无拖欠,2年来未出现超过连续3个月近(含)的拖欠记录,愿意接受我行的信贷、结算监督;5/8在我行开立存款帐

无人拥抱多难熬多可笑 09-04 03:50

你好,应当是和买房贷款差不多的。要先和装修公司确定好装修的预算,同时要和银行联系,带上你的户口本、身份证和收入证明,如果银行同意放贷,那你就要凭装修合同去银行签贷款合同和贷款抵押手续。细节方面的每家银行都不太一样,你还是要向银行问清楚才行。一般小额装修贷款,银行还不一定会贷给你。

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