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谁知道房子装修怎么最划算

谁知道房子装修怎么最划算

浏览：34次 | 提问时间： 07-06 08:25

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3个答案

萌妹子踩着小皮鞋当公主 07-06 08:26

房子贷款最划算的是：
1、有住房公积金的优选住房公积金贷款：
住房公积金职工缴存的长期住房储金，专款专用，是购房者的福利，以现行5年期以上贷款基准利率为例：商贷基准利率4.9%，即使银行最优质客户，按现行政策优惠到底也只能打7折(普通人群基本不可能)，执行利率为3.43%，而住房公积金基准利率为3.25%，别看只有0.18%的差异，以贷100万20年计算，两者相差22000多利息，这还是按商贷7折计算，若是利率差异更大，最终的利息差将会把你吓傻。
2、选择合适的贷款周期
如果你的投资收益高于银行的贷款利率，那么你可以按最长的时间贷款，能贷30年，就贷30年，这样就相当于用银行的钱去赚利息差；如果你的投资收益低于银行的贷款利率，那么你应该好好规划一下，将需要开支和抵抗风险部份储存的前题下，近可能的缩短贷款周期多还月供，这样就相当于节省了利息；如果你不知道规划，那么你也可以选择将贷款年限尽量拉长，中途有稳定的闲钱了选择提前还款或一次性结清，不要相信提前还款不划算的言论，除非你的投资高于贷款利率，除此之外的任何情况下提前还款都是划算的！
3、选择合适的还款方式：等额本息or等额本金
如果你前期资金并不算太紧张，可以选择等额本金方式，降低全部的利息支出；如果你前期资金紧张，你可以选择等额本息方式，这样虽然前期利息支出多，但是资金压力会小。等什么时候有资金的时候适当做些提前还款，同样能够达到降低利息支出的效果。

长发及腰热不热 07-06 08:34

建材涨价是必须的，
1.精心的策划和完美的设计是省钱的第一途径。 2.采用"画龙点睛"的方法。重点装修的地方，可选用高档材料、精细的做工；其他部位的装修采取简洁、明快的办法，材料普通话，做工简单化。3.依托装修公司是省钱的捷径。装修公司在选材上有固定网点，材料优价；在施工上有经验，做工精细；服务上有配套，质量保证。因此，最好不要自己直接请工人施工，表面省钱，实际可能因为您的错误选择而造成更大的经济损失。4.遵循规矩，把好预算决算关。在施工过程中难免变动修改，应参照原始项目单做好过程纪录，以便决算中清理增减项目。材料预算和费用分配：这里以普通的二室一厅，5万元的装修费用(中档水准)为例。一般装饰公司的人工费基价为20000元左右，外加一些不可预计的费用5000元，那材料费实际在25000元左右。目前人们以追求舒适为本，那材料费用合理的分配比例是：卫生间与厨房占45%，厅占35%，卧室占20%。
工期准备：以两室一厅为例，在正常情况下，工期在60天左右，如算上些其他因素，诸如更改设计方案等，也至多70天。
价格来源网络，供参考。建议可以考虑，希望对你有用！

男女通吃老少皆宜^尽我所能爱我所有 07-06 08:42

一、装修要先从货比三家下手
　　对于建材、家具要多逛几个建材城、建材超市、家具城，看看同样的建材、家具不同品牌、不通销售网点都卖得怎么样。有条件的再上网看看他们的口碑如何。
　　二、居室功能设计最重要
　　有的业主开始装修的时候，并不在意什么功能，多数的小业主最初考虑的，还是风格；有的业主很实际，思路很清晰，很明确的考虑，怎样在有限的空间里更好的、更合理的利用。
　　三、选择装修队伍要门当户对
　　选择装饰公司，有这么几个渠道。一个，直接到市场选择，一进市场肯定被人拉走。你可以充分地和这些公司聊聊，其实我觉得质量好坏和公司大小没关系。选择装修公司的时候，要多看、多了解，可以多看看正在施的工程，在施的工程能充分显示出这个公司的管理水平，技术水平。通过这方面进行考察，不要过于着急今天拿了钥匙，明天就装，一个月以后就要住。首先要确定想花多少钱来装，肯定要考虑承受能力。

　　四、装修超支为何无法杜绝
　　装修超支，是一个无法绝大多数业主都无法避免的问题。在装修过程中产生增项，其实很多时候，超支是业主自己造成的。
　　五、先定家具再准备装修施工

　　首先，根据自己家的面积大小先选好家具。确定各种家具的摆放位置，以及根据家具定下这个房子的装修基调和风格。

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