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装修贷可以贷10年吗

装修贷可以贷10年吗

浏览：33次 | 提问时间： 07-13 05:57

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6个答案

抱紧我好吗 07-13 05:58

现在不少银行的确是可以申请装修贷，但是装修贷最长只可以分5年时间还款，还有装修贷的利率会随着还款时间变化，还款时间越长需要支付的利率就越高。

另外，装修贷款跟普通贷款一样，都是很看重个人资质的，并不是每个人都可以申请，还有装修贷款最高不可以超过15万元以上，并且不可以超过装修款的50%，如果打算申请装修贷，一定要记得先去银行咨询。

暖手心 07-13 06:06

装修贷款相比于付全款来说还是比较划算的，工商银行和建设银行的贷款利率一般是在0.31到0.37左右。装修贷款一般是可以贷1~5年的，而且原则上不得超过15万元人民币，也不得超过装修费用总体的50%，但是因为选择的贷款途径不同，所以申请到的额度还是有一定差异的。

初七 07-13 06:14

答案是肯定的，装修贷款是可以分成10年还款的。
装修贷款跟购房贷款还是有很大区别的，一方面是贷款的时间上有区别，另一方面是贷款的金额上有区别。
在我买房的时候贷款的金额可以无限大，只要你的收益够高那就可以了，但是装修贷款的金额却有一个上限，就是不能超过20万块钱。
另外就是贷款的年限上也会有区别，一般房贷的贷款年限最高可以达到30年，而装修贷款的上限则是10年。

高智商文盲 07-13 06:23

装修贷款是可以贷10年左右的，最长的年限是10年。并且我们从银行贷款的时候，只能够贷到装修总费用的50%，如果你装修的费用是15万，那么你可以贷到7.5万。
现在年轻人的超前消费现象其实是非常严重的，但是不管怎么样，如果我们想贷款装修，最起码要确保自己有一个非常稳定的工作，并且不能够影响家庭生活的条件。如果因为贷款而影响了家庭生活就得不偿失了。

最爱的还是你 07-13 06:31

这个其实要看实际情况的，现在有一些银行在办理装修贷的时候是可以贷款十年的，但是有些银行不可以，如果你想要贷款十年，那我建议你可以去招商银行看一下，目前招商银行是可以办理这种业务的。
假如说你之前在买房的时候是全款买的房，那现在装修的时候是可以申请贷款的，这样还款的压力不是很大，但如果你之前买房就已经贷款了，现在继续贷款其实是不太好的。

且负时光 07-13 06:39

装修贷款会根据你贷款地方不同年限也会有所不同，比如说大家是在正规银行里贷款，一般情况下都不会超过5年。如果是在网络上进行贷款，有些贷款平台会有10年年限，那也有一些会是两三年的年限，这个还要看你贷款金额是多少了。

另外当大家想要在网络上进行贷款的时候，一定要看清这个平台，千万不要上当受骗。因为很多网络平台是像高利贷的那种，利息特别高，并且还存在违法现象。

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