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装修贷款要怎么申请？

装修贷款要怎么申请？

浏览：48次 | 提问时间： 06-30 10:56

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我有多倔强就有多坚强 06-30 10:57

装修贷款的确有许多不同的申请方式。您应该选择比较适合您的方式。1、申请个人信用贷款来装修；2、个人消费贷款之装修贷款；3、信用卡家装分期；4、消费金融公司贷款。如果您有稳定的工作和收入，没有不良的逾期还款记录，可以申请装修消费贷款,一般要求提供身份证、工作和收入证明、居住证明(租房也可以)。具体额度根据你的月收入来计算的，一般是你月收入的4-8倍不超过10倍。利息是根据银行所制定的基准利率上浮些的。具体呢建议您提交个免费申请看看的，有专业人员免费帮您评估，推荐机构，免费提交贷款申请，一笔申请推荐多家银行

矢至 06-30 11:05

拿上房屋装修合同、夫妻双方身份证原件和复印件、个人收入证明，到贷款银行申请即可。另外你问一下给你装修的公司，与银行有没有信用卡装修分期业务，如果有，比贷款手续上要方便。

静待花开 06-30 11:13

1、具有城镇常住户口或有效居留身份；2、具有房产权证明或由屋房屋产权单位出具的借款人拥有该房屋使用权的证明；如果你要装修的房子产权是你自己的就要有产权证，如果是单位的房子就需要由单位出你有使用权的证明。3、具有稳定的职业和收入，信用良好，有按期偿还贷款本息的能力。

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