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装修贷款可以贷20年吗

装修贷款可以贷20年吗

浏览：31次 | 提问时间： 07-13 05:57

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6个答案

腻心情话 07-13 05:58

我国的确是有装修贷款，但是装修贷款不可以放20年时再还款，装修贷款只可以分5年时间还款，同时装修贷款的利率非常高，如果你要是分20年时间还款，你需要支付的利息额度会非常的高。

另外，装修贷款跟普通贷款一样，并不是每个人都可以申请的，是必须要满足相关条件以后才能够申请，如果不符合贷款的要求，不管你申请多少次，银行都是会拒绝你的贷款申请的。

我对你过敏 07-13 06:06

贷款可以分为很多种，比如购房贷款，比如小额贷款，比如装修贷款等等，但是贷款的时间上却有不同的标准。如果是购房贷款，那贷款分成20年来还肯定是没有任何的问题，但是如果你是装修贷款，那贷款的年限长就没有那么长，最长的时间应该就是10年。
对于贷款的时间长短，其实装修根本花不了太多钱，即便是用最好的装修材料，最好的装修风格来规划，每一平米估计也就是2000块钱左右。所以这样算下来贷款10年应该是没有问题的，20年确实显得有点长。

A1伱不解释 07-13 06:14

现在装修贷款也是可以贷款的，但是年限并没有这么长，只可以贷10年左右。而我们买房子贷款的年限是比较长的，可以达到30年之久。
不知道为什么现在的年轻人总喜欢超前消费，如果你有钱可以选择比较高档的装修，如果你没钱可以选择比较普通的装修，如果做一个简单的装修，价格也就在8万块钱左右，并不是特别贵，跟身边的亲戚朋友周转一下还是可以达到这个要求的。

卡哇伊 07-13 06:22

现在装修贷款最长的贷款年限也只有10年，是不可以贷20年的。
现在有很多银行的政策还是挺不错的，像在装修的时候也都是可以申请装修贷的，现在要想申请装修贷款是必须要符合相应的条件，年龄是在18周岁到60周岁之间，而且个人肯定是要具有一定的还款能力的，装修贷款的贷款额度最低是5000元，最高是不能超过15万元，还有就是装修贷款的利率也是要根据人民银行规定的利率来定。

烬余一人 07-13 06:31

装修贷款不可以贷20年，国内很多银行最多只能贷款5年的时间，并且办理装修贷款还是比较麻烦的，必须出示房产证，收入证明，征信证明等等材料。
银行会根据你出示的材料来评估你是否有贷款的资格，如果你的征信报告上有不良的记录，银行肯定是拒绝跟你合作的。还有就是成功办理装修贷款后一定要按时还款，只要成功办理贷款借款合同上都会明确标注还款日期。

多年不减 07-13 06:39

可能有部分用户并不知道装修时候也是可以使用贷款的，不过贷款时间有明确规定，国家规定的最短期限是6个月，最长期限就不可以超过5年，所以楼主说的装修贷款20年是绝对不可以的，除非是楼主家里购买房子，贷款时间可以选择20年。
毕竟装修花费的金额要比购买房子的金额要少很多，如果装修要贷款，必须要签订工程合同书，当然还需要有抵押物，接下来才可以到银行那边去申请。

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装修贷款可以贷20年吗

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装修贷款可以贷20年吗