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办公室装修贷款需要什么条件？

办公室装修贷款需要什么条件？

浏览：39次 | 提问时间： 07-10 09:49

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3个答案

轒 07-10 09:50

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。

只是爱过 07-10 09:58

从当前实际看，小额信用贷款的基本条件是：
　　一、是中国大陆居民，年龄在50岁以下；
　　二、是从事正当的生产经营活动，项目具有发展潜力或市场竞争力，具备按期偿还贷款本息的能力。
　　三、是有稳定的收入来源；
　　四、是无不良信用记录，贷款用途不能作为炒股，赌博等行为。
　　证明材料：
　　1、提供个人身份证明，可以是身份证，居住证，户口本，结婚证等信息；
　　2、提供稳定的住址证明，房屋租赁合同，水电缴纳单，物业管理等相关证明；
　　3、提供稳定的收入来源证明，银行流水单，劳动合同等。
　　办理流程：
　　1.本人自愿申请;
　　2.社区(村)妇女小额担保贷款协理员推荐;
　　3.街道(乡镇)妇女小额担保贷款工作站初审;
　　4.县级以上妇女小额担保贷款工作办公室复审;
　　5.担保机构按程序审核、考察和认定;
　　6.经办金融机构核准、发放贷款。

我心荒芜只因不再有你 07-10 10:06

贷款人申请装修贷款，一般要向银行提供如下材料：
1、有效身份证、居委会开具的常住户口证明，证明自己的身份和固定住所；
2、单位出具的职业和个人收入证明、连续六个月及以上稳定工作证明(或者自己提供近几个月的工资流动账单)，证明自己的还款能力；
3、房产证(抵押贷款需要)，用于房产抵押；
4、银行存款对账单、水电等税单证明，证明自己的信用品质；
5、与装修企业签订的《装修工程合同》、《购买装修材料合同》等材料，证明贷款用途；
6、装修企业的营业执照和资格证书复印件，证明合作商是否在指定范围内；
7、银行或金融机构需要的其他条件。
在申请条件上有些要求：
1.具有当地常住户口及合法有效的身份证明；
2.有正当职业和稳定收入，具备到期偿还贷款本息的能力。
3.借款人能提供有关资产证明、银行对帐单、税单证明等
4.对新购住宅装修的应提供房屋买卖契约、购房发票等资料(或原有住宅再次装修的应提供房屋所有权证明材料)；
5.合作机构所规定的其它条件。

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