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"//m.sheji456.com/ask/tlist/184373" } [14] => array(11) { ["tagname"] => string(36) "我想问衣柜不能朝哪个方向" ["inlink"] => int(0) ["addtime"] => string(10) "1599534257" ["tagid"] => int(1263843) ["id"] => string(7) "1263843" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503953221648412) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1263843" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1263843" } [15] => array(11) { ["tagname"] => string(21) "想问下装修房子" ["inlink"] => int(0) ["addtime"] => string(10) "1605317581" ["tagid"] => int(4901567) ["id"] => string(7) "4901567" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504077814497312) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/4901567" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/4901567" } [16] => array(11) { ["tagname"] => string(12) "能贷款吗" ["inlink"] => int(0) ["addtime"] => string(10) "1598923636" 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我想问一下装修房能贷款吗

我想问一下装修房能贷款吗

浏览：45次 | 提问时间： 07-10 09:13

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3个答案

穿碍 07-10 09:13

可以，具体操作如下：
1、转按揭：
最简单直接的一种方法，在二手房买卖中通俗的讲就是把个人住房出售或转让给第三人而申请办理个人住房贷款变更借款期限、变更借款人或变更抵押物的贷款。
2、用买方的首付款缴清剩余贷款：
这是当下二手房交易中最多应用的模式。这种方式适用于原房主贷款额度较低或已经经过大量归还后所剩贷款数目不大的情况。通常情况下，买家会认可首付房产总成交额的30%至40%，卖方可以利用买方的首付将剩余贷款付清，然后撤销房产的抵押登记，进行下一步交易。

伴你久安痴心绝对 07-10 09:22

可以的，房屋装修能贷款，部分银行有专门的房屋装修贷款业务。

　　如建行的安居分期贷款：
　　一、安居分期付款业务
　　指持卡人申请用其信用卡在建行指定安居商户(具体包括：装修、建材、家具、家居、家电、婚庆、教育培训、旅游、百货等)购买商品或服务，建行核准后，持卡人在建行指定商户通过专用分期POS机具支付安居款项，相应交易金额平均分成若干期，由持卡人在约定期限内按月还款，支付一定手续费的业务。

　　二、安居分期的两种模式
　　① 可以选择与建行合作的装修公司包工包料，一次性付款给装修公司。
　　② 也可以同时选择多家与建行合作的瓷砖、壁纸、橱柜、家具、家电等商户，选购材料，自己装修。

　　三、期数、额度及使用、手续费
　　① 期数：6期、12期、18期、24期、36期，每期为一个月。
　　② 额度及使用：申请额度2万元(含)以上，100万(含)以下，额度有效期为从放款之日起6个月；可在不同商户多次刷卡，但每次刷卡金额不得低于1000元。
　　③ 手续费：总手续费率为6个月2％、1年4.5％、18个月6％、2年8％、3年12％，商户承担手续费率不低于1％，其余手续费由客户承担。

　　四、业务特点
　　① 专项额度—专享分期额度，不影响客户信用卡固定额度的使用。
　　② 灵活使用—多家指定合作商户灵活使用，与个贷的受托支付方式相比，客户消费范围更加广泛。
　　③ 手续简便—专享一站式通道办理，客户申办手续简单快捷。

　　五、客户申请所需资料
　　① 《龙卡信用卡安居分期付款业务申请表》；
　　② 身份证明；
　　③ 建设银行信用卡复印件(正反两面)；
　　④ 财力证明；
　　⑤ 房产证明；
　　⑥ 《龙卡信用卡安居分期付款业务额度用途承诺书》；
　　⑦ 《龙卡信用卡安居分期付款业务面签调查表》。

　　注意：需要装修住房的申请人必须为业主本人及业主的配偶、父母、子女等。

　　六、放款及使用
　　① 从建行收到客户完整的申请资料到额度到帐可以刷卡支付，有卡客户大概需要10个工作日，无卡客户大概需要15个工作日。
　　② 审批过程中建行工作人员需与申请人联系，对申请相关信息进行核对，请申请人在申请提交后注意保持联系电话畅通，以免影响审批时效。
　　③ 审批通过后，建行会短信、电话通知持卡人额度已经到帐。持卡人持建行信用卡至合作商户处使用建行专用POS机刷卡支付，专用额度可根据装修工程进度分次使用，但每次刷卡金额不能小于1000元。同时注意刷卡完毕后要注意核对POS回单所列期数和手续费。
价格来源网络，仅供参考！

带我流浪 07-10 09:30

房屋装修能贷款，部分银行有专门的房屋装修贷款业务。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%。

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