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在申请装修贷款时有哪些注意事项？

在申请装修贷款时有哪些注意事项？

浏览：50次 | 提问时间： 06-30 10:56

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昨日恋人 06-30 10:56

现在很多年轻人买完房子就没有钱装修了，那房子又要装修怎么办呢，目前很多人就申请房屋装修贷款，家装贷款也称装修贷款，指银行或者消费金融公司推出的，以家庭住房装修为目的个人信用贷款即无抵押信用贷款。那么签订房屋装修贷款合同时需注意的事项有哪些，下面这边就来介绍一下，可以参考看看的。1、贷款人、借款人(担保人，一般为购房人)及保证人(一般为开发商)的姓名、名称与住所地、法定代表人。此条款主要是在于明确履行义务和受领履行的主体。如果合同中约定了与借贷主体有关的司法管辖条款，则该条款是确定管辖法院的依据；2、按揭贷款用于购买的商品房的坐落位置、类型结构、面积、价值等情况。此条款表明了按揭贷款合同的订立目的；3、借款金额、期限及利率标准。4、贷款的划付与借款的偿还，及借款人提前还款与逾期还款的相关事宜。需要特别注意的是，有的银行为了获得较为高额的按揭贷款利息，会排除借款人提前还款。如果借款人希望以后提前还款，则应当注意与银行作出特别约定。5、贷款人与借款人在按揭贷款合同中的权利义务。6、借款人提供担保物的相关约定。作为购房人的借款人，需要特别注意其应当与银行明确担保物是什么、担保债务的范围、担保的设定、担保人与担保权人的权利义务、担保物的处分及担保的解除等事项；7、保证人承担保证责任条款。购房人需要注意被保证主债权的种类与数额、保证担保的范围、保证责任的方式(连带保证还是一般保证)与形式、保证人承担保证责任的期间等；8、合同变更与解除方面的约定。9、违约责任条款。10、其他相关事项等条款。购房人在签订借款合同时，需要特别注意合同条款是否明确详细。以上关于签订房屋装修贷款合同相关注意事项就介绍到这，这边友情提示一下：当消费者与银行对如何理解这些格式条款产生分歧的时候，为维护消费者的利益，应当对银行作出不利的解释。

谁强韧别假笑 06-30 11:05

个人申请住房装修贷款条件1、具有本市城镇常住户口或有效居留身份;2、具有稳定的职业和经济收入,信用良好,有偿还贷款本息的能力;3、具有购买住房行为或拥有自有住房;4、持有装饰工程或购买装饰产品合同;5、有银行认可的作为抵(质)押的资产,或有具备足够代偿能力的单位或个人作为承担连带责任的保证人;6、愿意接受银行提出的其他合理要求。流程1、借款申请人向银行提出借款申请时需填写《个人住房装饰借款申请书》。同时向银行交验有关证明和资料;2、银行对借款人交验的有关证明和资料的真实性、合法性及资信程度审查认可后,承诺贷款。借款申请人据此与装饰公司或装饰产品销售商签订装饰工程合同或装饰产品订货合同,并将合同正本提交银行。3、借贷双方签订《个人住房装饰借款合同》和相应的担保合同。以住房作抵押的借款人应办理《个人住房抵押合同》的公证,抵押住房保险和房地产抵押登记手续。4、本行办妥借款担保手续或收押《房地产其他权利证明》后办理放款手续;5、银行受借款人委托,按借款合同约定的时间,以支付装饰用款名义将贷款资金以转账方式划至装潢公司或销售装饰产品单位在银行开立账户。

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