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哪位能告诉我烟台装修贷款怎么申请

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问一问各位家装开放式厨房好吗拱棚卷帘机多少钱谁知道弱弱的问下冬天不能装修房子吗小白求助125平方装潢需要多少钱弱弱的问下东营那家装饰公司好弱弱的问下房子刚装修好可以住人吗成都局部装修哪家好有人知道吗小白求助200平米简单装修多少钱问一问各位家装用什么玻璃好求好心人解答上海有多少家装公司求好心人解答秦皇岛那家装饰公司好哪位好心人说下联排装修报价是多少问一问各位毛胚房如何装饰求好心人解答什么季节适合房屋装修小白求助装修房子需要那些材料

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哪位能告诉我烟台装修贷款怎么申请

浏览：42次 | 提问时间： 07-10 09:10

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3个答案

扮演你 07-10 09:11

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。银行发放的个人住房装修贷款单笔贷款额度原则上不超过15万元人民币，同时不超过装修工程总费用的50%。家装贷款目前有有两种贷款和一个信用卡分期形式可以申请，具体如下：
(1)、申请个人信用贷款来装修；
(2)、个人消费贷款之装修贷款。这里的消费贷款指的是持证抵押贷款，也就是用房产来抵押、申请的消费贷款。；
(3)、信用卡家装分期；

小闹心Forever 07-10 09:19

装修贷款也要看您个人的经济情况和需要，所以以下申请方式可供参考：

　　1、房屋抵押。如果借款人拥有房屋的抵押权，那么可用房屋作抵押申请装修贷款。用房产抵押申请装修贷款的好处在于利息不算高，并且额度较高。而缺点就是一定要有房产作抵押，并且办理起来审核步骤较多，需要花费的时间相对比较多。

　　2、个人信用贷款。借款人如果有稳定和法的收入来源，可申请个人信用贷款，用信用贷款额度来装修。个人信用贷款审批速度较快，不过，一般额度不会很高。

　　3、信用卡分期。如果您的装修公司与银行有合作，并且你正在使用这家银行的信用卡，那么可用信用卡分期来获得装修贷款。信用卡分期优势在于方便快捷，审批流程简单。不过，想用信用卡分期，就必须要装修公司与银行有合作。

挂号思念 07-10 09:28

你好，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。希望我的回答能帮到你

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