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房屋装修贷款怎么贷

房屋装修贷款怎么贷

浏览：59次 | 提问时间： 07-02 05:10

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3个答案

悸末花开尽守轮回 07-02 05:11

装修贷款一般有三种常见的方式，可以根据自己的实际情况选择。
1、纯信用类装修贷款：无需抵押和担保，只需要身份证明，收入证明，住址证明等材料，这类贷款适用于收入稳定，个人信用记录良好的工作人士。
2、房屋抵押装修贷款：要求申请人将装修的房屋作为抵押，用户需要提供身份证、户口簿、房产证等证件，以房屋作为抵押获得的装修贷款，最高达房屋评估价的七成。这种方式利率相对于信用贷款利率比较低一些，但是呢有些银行不接受已经处于按揭的房屋作为抵押申请抵押贷款。
3、信用卡分期付款：很多银行推行相关的信用卡业务，由银行向商户一次性支付装修消费资金，然后让用户分期向银行还款的过程。这类贷款主要针对人群为居住在大中型城市，刚刚购买新房，缺钱装修，信用记录良好的的人士。额度一般在10至20万

记得想想我 07-02 05:19

这个带齐自己的资料还有证明自己有偿还能力的证明，到附近的银行申请就可以了，基本上都可以过的，有熟人的话会更快而且申请的额度会多点。

无绊无伴亦无半 07-02 05:28

申请个人住房装修贷款，借款人应该为具有完全民事行为能力的自然人。然后向银行申请就是了。

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