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民生装修贷款的申请条件是什么样的？

浏览：61次 | 提问时间： 07-07 04:10
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3个答案
断退路 07-07 04:11

装修贷款申请条件：
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。

礊 07-07 04:19

必须年满18周岁，具有完全民事行为能力的自然人   有稳定的经济收入，信用记录良好，有偿还贷款本息的能力，并提供真实可信的收入证明文件   申请贷款的年限加现有年龄之和不超过60岁   按揭房产有共有人的，必须确定其中一方作为申请贷款的主申请人，且主申请人必须具备以上条件   按揭房产已使用年限和按揭年限之和一般不超过30年   借款人与售房人签定《房地产买卖合同》，并支付不低于房价30%的首期购房款。
希望我的回答可以帮助到你！

用一生换你一次初相遇 07-07 04:28

装修贷款的申请条件
(1)具有当地常住户口及合法有效的身份证明；
(2)有正当职业和稳定收入，具备到期偿还贷款本息的能力；
(3)借款人能提供有关资产证明、银行对帐单、税单证明等；
(4)对新购住宅装修的应提供房屋买卖契约、购房发票等资料(或原有住宅再次装修的应提供房屋所有权证明材料)；
(5)合作机构所规定的其它条件。
希望我的回答能帮助到你！

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