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我想问一下装潢能贷款吗

我想问一下装潢能贷款吗

浏览：36次 | 提问时间： 07-10 09:13

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3个答案

怪咖与奇葩走路萌萌哒 07-10 09:13

可以啊，不过这个要看地区，我们这边就是在农村合作社可以办。

匆匆那些年 07-10 09:22

用房产抵押可以装修贷款。
具体如下：个人住房装修贷款　　
个人住房装修贷款是银行向借款人发放的用于自有住房装修的贷款。　　
一、贷款对象　　具有完全民事行为能力的自然人。　　
二、贷款基本条件　　
1．具有城镇常住户口或有效居留身份；　　
2．有稳定的职业和收入，信用良好，有按期还贷款本息的能力；　　
3．有银行认可的资产作为抵押或质押，或有足够代偿能力的单位或个人作为偿还贷款本息、并承担连带责任的保证人；　　
4．具有与经有权部门批准的装修企业签定的住房装修合同，装修概算书及相关资料；　　
5．具有不少于装修总预算50%的自有资金，并在贷款使用前投入项目建设；　　
6．银行规定的其他条件。　　
三、贷款额度　　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%。对于借用银行个人住房贷款购房并且提供同一抵押物的借款人，其装修贷款额度与未清偿个人住房贷款之和不能超过抵押房产市场价值或评估价值的的70%。
四、贷款期限　　最长不超过5年，且不办理展期。

突然今夏 07-10 09:30

可以，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。

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