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公积金贷款能用来装修吗

公积金贷款能用来装修吗

浏览：53次 | 提问时间： 07-13 05:46

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3个答案

碍伱 07-13 05:47

可以用，你带着房产证(必须是你名下的)，然后拿着装修服务合同即可。如果是自己家人帮忙装修的或者找的散工，那你就带着你装修的发票(这个要看各个地方的规定)。

带泪的鱼 07-13 05:55

可以的，住房公积金管理细则规定，可以将住房公积金用做房屋购买、维修、装修、拆建等用途，你可以登录本地住房公积金管理中心查询一下，应该是拿着装修合同就可以办理的！

贱人终会弃良人怎会离 07-13 06:04

公积金贷款是不能用于房屋的装修的，根据有关规定，公积金贷款只能用于自建住房的翻建和大修等，而装修是包括在内的，为此，借贷人只能通过其他方式来申请贷款。
　　如果借贷人想要申请贷款来用于装修的话，是可以申请个人信用贷款或房产抵押贷款来获得资金的。
　　如果借贷人具有稳定的工作、还款能力较强、个人信用良好，那么就可以申请个人信用贷款了，个人信用贷款无需借贷人提供任何抵押物，仅凭个人资质就能申请贷款，贷款额度通常在借贷人月收入的10倍左右，如果借贷人个人资质较高的话，贷款额度也会提高。
　　此外，如果借贷人名下的房产目前没有任何贷款，并满足有关抵押条件的话，也是可以申请房产抵押贷款来获得资金的，房产抵押贷款的贷款额度通常较高，一般在房产估值的7成左右，不过，可不是所有房产都能办理抵押贷款的，具体情况还需借贷人以有关机构规定为准。

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