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个人住房装修贷款的贷款期限最长是多久？

个人住房装修贷款的贷款期限最长是多久？

浏览：44次 | 提问时间： 07-10 09:49

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4个答案

糜鹿森林 07-10 09:50

一、装修贷款最短期限为1年，最长期限不超过5年(含5年)。
二、个人住房装修贷款是指银行向由指定装潢公司进行住房装修的个人发放的人民币贷款。
三、个人住房装修贷款基本规定：
1.贷款对象：十八至六十周岁，具有完全民事行为能力的中国公民；
2.贷款额度：贷款起点为人民币5000元(含5000元)，最高不得超过人民币15万元(含15万元)；
3.贷款期限：最短期限为半年，最长期限不得超过5年(含5年)；
4.贷款利率：按中国人民银行规定的同期贷款利率执行；
5.担保方式：建设银行认可的质押、抵押和符合条件的第三方自然人保证。
6.需要提供的申请材料：
(1)有效身份证件的原件和复印件。
(2)建设银行认可部门出具的借款人收入证。
(3)与装修企业等签订的《家庭装修工程合同》、《购买家庭装修材料合同》、《购买厨卫设备合同》以及家庭装修预算书。
(4)装修企业的营业执照和资格证书复印件。
(5)以抵押或质押方式申请贷款的借款人，应提供抵押物或质押财产权利凭证清单、权属证明及有权处分人(包括财产共有人)同意抵押或质押的证明。由第三方提供保证的，应出具保证人同意提供担保的书面文件和有关资信证明材料。
(6)工行要求的其它资料。

刺心不改将以请葬死海 07-10 09:58

你好，个人住房装修贷款的可以申请的最长年限各大银行期限会略有不同，不过一般都不会超过五年。如果是抵押的话，最长可以贷到十年，装修消费贷款正常是4年,也可以到期续约。

是够久了怪不得你会走 07-10 10:06

已办理个人住房贷款且住房贷款尚未结清的客户，可以单独申请办理个人住房装修贷款。单独申请个人住房装修贷款申请资料、业务流程及相关要求与所配套个人住房贷款保持一致。单独申请个人住房装修贷款时，必须在贷款申请时同时提供与装修公司签订的装修合同或协议。配套装修贷款期限最长不超过10年。

耀眼的人有很多不强求 07-10 10:15

1.贷款对象
具有完全民事行为能力，持有合法、有效身份证件，资信情况良好，具备稳定收入来源和按期还本付息能力的自然人。
2.贷款额度
贷款额度不超过所装修房产交易价格或评估价值的20％。
3.贷款期限
贷款期限最长5年。

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个人住房装修贷款的贷款期限最长是多久？

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