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我想问一下装修信用贷款如何申请

我想问一下装修信用贷款如何申请

浏览：41次 | 提问时间： 07-10 09:19

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3个答案

不眠症 07-10 09:20

买完房子，自然就会想到装修。不过，大多家庭在买房的时候就花费了不少积蓄，要再拿出钱来装修显得就比较困难了。这个时候，其实可以考虑申请装修贷款。那么，南京装修贷款可通过哪些方法获得呢?

　　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。

败你所刺 07-10 09:28

1、申请的装修贷款仅限是自己名字的房产，不能申请用于装修别人的房产;
2、在申请装修贷款的时候，还需要提前找到相关部门批准装修合同;
3、申请的装修贷款额度通常来说不允许超过装修所需总资金的百分之七十;
4、银行的装修贷款是允许进行提现的，因此在申请成功之后，通常就是直接汇入到装修公司账户中

你会腻 07-10 09:37

你好;银行装修贷款要求的资料和条件通常如下：　
1.借贷者有当地常住户口并有合法有效的身份证实。　　
2.借贷者在当地有合法稳定的收入。　　
3.能向贷款机构提供有效的个人资产证实、银行对账单、税务单等资料。　　
4.对装修的房屋提供有效的购房证实、房屋买卖合同等。　　
5.满足银行规定的另外的条件。　　
具有良好的个人征信情况，再加上符合以上这些条件，那么申请装修贷款是不成问题的。　　
操作流程：　　
(一)、业主先要确定装修公司：必须是宁波银行规定范围内的装修公司。　　
(二)、业主和装修公司施工合同签署后，联系网站方、银行签订协议(业主，银行，网站方，装修公司)，并填写信用卡申请表！
(无卡用户)　　
1、装修公司：施工合同，公章。　　
2、业主：房产证原件、复印件，身份证原件、复印件，收入证明(要红章的)，如果房产证不是本人名下的，需要携带与房产证执有人关系的有效书面证明，要装修的小区照片。(大门照片，门牌号，即将装修房子的照片)　　
3、银行：申请信用卡表格，大额分期业主申请表。

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