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装修房子可以贷款吗

装修房子可以贷款吗

浏览：55次 | 提问时间： 07-13 10:04

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6个答案

旧梦依在 07-13 10:05

装修房子是可以贷款的，不管是你是用来干什么，只要不是做违法的勾当，都是可以贷款的，银行的条件基本上都是有良好的收入情况和好的信誉，就没什么问题。比如说：买房子、买车都是可以贷款的，你最好是去银行办理手续，因为银行是比较正规的单位，你要是在那种网站上贷款的话，难免会出现什么问题，到时候会牵扯到金钱方面。

杂七 07-13 10:14

装修房子是可以贷款的，只要您的个人信用良好，就可以跟银行申请这项款项，并在约定时间内按时还款，保持良好的个人信用就可以了，但是现在很多年轻人都是贷款买房，每个月都要支出大量的金钱在贷款上，所以建议如果不是立马就必须搬进去新房住的朋友们，在没有余钱装修的情况下还是不要装修，这有两个原因：

1、以免自己得生活压力过大。

2、防止事业或者其他出现变动，无力偿还贷款，从而影响自己的征信。

Romants 07-13 10:22

装修房子想要贷款也是可以的，只不过需要本人去办理贷款，也就是以个人名义去贷款，以个人名义贷款需要你有稳定的收入，并且家里有一定的资产，这样银行才会放心把钱贷给你的，还有需要注意的是个人信誉方面不能有不好的情况，这个银行也是要看的。

你贷款来的钱就可以用在房子装修上面，每个月还给银行一定的钱，如果没有钱还是不建议贷款，因为一旦贷了款还不上的时候，银行会把你的资产进行拍卖然后拿回你贷款的钱和利息的。

海绵宝宝说带我遨游世界 07-13 10:30

这个要看你们那边的具体政策，因为一般不同的地区这个政策是不一样的。有些地方修房子也会有补助什么的，如果你想贷款的话，可以去银行，一般就是信用贷，或者是抵押贷，就看你有没有房子车子什么的，只要符合条件的话，都是可以办理的，但是一定要通过正规的渠道进行办理贷款。因为网上有很多的陷阱，可以去银行咨询。

撑开窗等月光 07-13 10:39

装修过程当中的房子是不能够进行贷款的，至少说根据房屋抵押贷款的一些条例来看的话，装修的房子是不在能够贷款到的范围以内的。所以说你想要将房屋用于抵押贷款的话，那么在这里我是建议你等到你的房屋装修完成了之后，再去贷款才是比较好的。毕竟这样在提交申请的时候，你的审批更加容易能够通过，贷款到的数目也更加的多的。

离城未归梦 07-13 10:47

装修房子当然可以贷款了，但是得看你打算用什么贷款了。如果你打算用公积金贷款的话，必须要满足相应的条件才行，不是所有的用户都可以在装修的时候使用公积金贷款的。当然如果你有其他的资产，可以到银行去办理抵押贷款，不过银行内部的工作人员也要通过评审评估，看看你所抵押的财产是否满足你要贷款的额度，在经过一番评估和评审之后，给予你适合的额度。只有这两种办法可以进行装修贷款。

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