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个人装修贷款利率怎么算？

个人装修贷款利率怎么算？

浏览：62次 | 提问时间： 07-10 09:15

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感情程序 07-10 09:16

个人住房装修贷款利率按照人民银行规定的同期个人消费贷款利率执行，也就是说半年至１年的年利率为５．５８％，１至３年的年利率为５．７６％，３至５年的年利率为５．８５％。但目前市场上一半以上的信用贷款产品对消费者要求甚高，或是资产证明门槛的高高筑起，或是特定行业的人士、VIP客户、公司高级管理人员才能申请，均要严格考察申请者工作性质、所处行业、收入状况等细节。

小小怪同学我们继续努力 07-10 09:24

由于装修贷款的途径不同，银行和金融机构的贷款额度规定又不一致，导致装修贷款的额度存在差异。1、如果你向银行申请装修消费贷款，工商银行和建设银行都规定单笔贷款额度原则上不超过15万元，同时不超过装修工程总费用的50%；中国银行则规定贷款最高额度不超过装修工程总费用的80%。如果用房产抵押贷款，获取的贷款额度会相对较高，但大部分银行都要对所抵押的房产进行评估，贷款额度不能超过抵押物评估价的70%。如果采取质押方式担保，贷款额度最高不超过质押权利凭证价值的90%；如果找人担保，则根据借款人或担保人的信用等级确定贷款额度，最高不得超过60万元。2、如果你按时足额上交住房公积金，装修所需资金不大，且当地规定允许公积金贷款装修，那你可能申请到单笔最高5万元的款项，同时贷款额度不能超过装修工程总费用的80%。不过，各地相关规定不尽相同，大部分不支持公积金装修贷款。

妄屿 07-10 09:33

一般个人信用贷款利率是根据国家基准利率的改变而改变的；平安银行新一贷个人信用贷款的利率在国家基准利率基础上上浮10%-30%。以贷款5万元、利率3年为例，月均贷款利息仅190元！(仅供参考，最终以银行审核为准，需另收账户管理费)。(以2011年7月7日的国家利率为基础计算得出，随国家利率变动而调整；仅供参考，最终以银行审核为准)。以上价格来源于网络，仅供参考。

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