array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(21) "装修成都问一下" ["inlink"] => int(0) ["addtime"] => string(10) "1606814354" ["tagid"] => int(6097052) ["id"] => string(7) "6097052" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504117865906204) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6097052" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6097052" } [1] => array(11) { ["tagname"] => string(21) "浴室装修问一下" ["inlink"] => int(0) ["addtime"] => string(10) "1605750805" ["tagid"] => int(5367478) ["id"] => string(7) "5367478" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504093483368458) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/5367478" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/5367478" } [2] => array(11) { ["tagname"] => string(21) "问一下杭州装修" ["inlink"] => int(0) ["addtime"] => string(10) "1607420808" ["tagid"] => int(6765449) ["id"] => string(7) "6765449" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504140311724032) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6765449" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6765449" } [3] => array(11) { ["tagname"] => string(21) "准备装修问一下" ["inlink"] => int(0) ["addtime"] => string(10) "1603354998" ["tagid"] => int(3055658) ["id"] => string(7) "3055658" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504015791226908) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/3055658" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/3055658" } [4] => array(11) { ["tagname"] => string(21) "装修济南问一下" ["inlink"] => int(0) ["addtime"] => string(10) "1607938378" ["tagid"] => int(7164252) ["id"] => string(7) "7164252" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => 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"6416034" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504129236664332) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6416034" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6416034" } [10] => array(11) { ["tagname"] => string(21) "问一下宝宝装修" ["inlink"] => int(0) ["addtime"] => string(10) "1606987426" ["tagid"] => int(6416058) ["id"] => string(7) "6416058" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504129237712897) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6416058" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6416058" } [11] => array(11) { ["tagname"] => string(21) "问一下换季装修" ["inlink"] => int(0) ["addtime"] => string(10) "1606987426" ["tagid"] => int(6416121) ["id"] => string(7) "6416121" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504129238761498) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6416121" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6416121" } [12] => array(11) { ["tagname"] => string(21) "问一下整体装修" ["inlink"] => int(0) ["addtime"] => string(10) "1606987426" ["tagid"] => int(6416122) ["id"] => string(7) "6416122" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504129238761499) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6416122" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6416122" } [13] => array(11) { ["tagname"] => string(21) "问一下柚子装修" ["inlink"] => int(0) ["addtime"] => string(10) "1606987426" ["tagid"] => int(6416135) ["id"] => string(7) "6416135" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504129239810051) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6416135" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6416135" } [14] => array(11) { ["tagname"] => string(21) "问一下欧美装修" ["inlink"] => int(0) ["addtime"] => string(10) "1606987426" ["tagid"] => int(6416140) ["id"] => string(7) "6416140" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504129239810056) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6416140" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6416140" } [15] => array(11) { ["tagname"] => string(21) "问一下玄关装修" ["inlink"] => int(0) ["addtime"] => string(10) "1606987426" ["tagid"] => int(6416151) ["id"] => string(7) "6416151" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504129239810067) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6416151" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6416151" } [16] => array(11) { ["tagname"] => string(21) "问一下通过装修" ["inlink"] => int(0) ["addtime"] => string(10) "1606987426" ["tagid"] => int(6416632) ["id"] => string(7) "6416632" ["depart"] => string(1) "0" 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问一下装修可不可以贷款？

问一下装修可不可以贷款？

浏览：26次 | 提问时间： 07-10 09:24

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4个答案

得不到的永远在骚动 07-10 09:25

可以的,但通常只能当作资金用途来贷,还是要有抵押物银行才愿意的.以前也有银行会同意用《装修合同》来贷款,具体你可以到当地的银行咨询一下

人潮拥挤拥抱不到你 07-10 09:33

装修贷款条件
1、贷款人须有本市城镇常住户口或有效居留身份；
2、自申请之日向前推，连续足额缴存住房公积金12个月以上(夫妻都缴存公积金的只允许一人贷款)；
3、有符合法律规定的购房、建房、大修自住住房的合同(协议)及有关材料；
4、具有一定比例的自筹资金。购买商品房、经济适用住房的，自筹资金不低于总房价的20%(购买二手房或建房、大修住房的，自筹资金不低于总房价的30%)；
5、具有稳定的经济收入，有偿还贷款本息的能力(由所在单位出具月收入证明)；
6、同意用所购住房或具有完全产权的自有住房或第三人住房做抵押，或用贷款银行认可的有价证券、银行定期存单进行质押，或由贷款银行认可的法人、组织或第三人提供保证。

她如夕阳 07-10 09:42

当然可以！为楼主推荐两种贷款：公积金贷款与住房装修贷款。
个人住房公积金贷款是以住房公积金为资金来源，向缴存住房公积金的职工发放的定向用于购买、建造、翻建、大修自有住房的专项住房消费贷款。职工购买的自有住房包括商品住房、经济适用房、私产住房、集资建造住房、危改还迁住房和公有现住房。
　　贷款额度：
公积金贷款额度的上限计算公式是：贷款职工月计缴住房公积金额度÷贷款职工住房公积金的缴存比例×0.45×12×实际可贷年限
公积金贷款额度一般要求不超过房屋总价的70%,且一般都有上限限制。
贷款期限：最长可达30年。

浅蓝色忧殇へ 07-10 09:50

1、装修可以银行贷款。
　　2、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；
　　(4)消费金融公司贷款除了银行贷款这条传统途径外，向消费金融公司贷款也是可以选择的途径之一。
　　3、利息方面每个银行有所不同，不同的时间段也是不一样的，具体的建议咨询下银行。

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