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个人申请装修贷款需要什么资料？怎么计算的

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个人申请装修贷款需要什么资料？怎么计算的

浏览：56次 | 提问时间： 07-20 04:01

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3个答案

指尖的樱花草 07-20 04:02

题主好，装修房子申请贷款,可以申请的贷款额度主要分情况:，个人装修贷款最高不超过15万个人找银行申请房屋装修贷款,通常情况下个人可以申请的贷款额度最高为15万,同时申请装修贷款,也需要申请人自己准备一定的资金

赠你一朵灰烬花 07-20 04:18

假如你的房贷是招商银行办理的，可以尝试申请配套装修贷款。个人住房装修贷款可以与所配套个人住房贷款同时申请，也可以单独申请。同一个时间段里申请：在同时申请时，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；同时申请时，可以暂不提供装修合同。但贷款发放前，应该要求客户提供与装修公司或开发商签订的装修合同或协议；自然人保证担保的，参照借款申请人的资料要求提供保证人身份证明资料、收入或资产证明资料。单独申请：对在我行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，应该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。若你的这套房产已经是在其它银行办理按揭贷款了，直接通过招行这边再申请装修贷款的话，招行是通过消费贷款的形式办理这笔装修贷款，消费贷款需要提供的抵押房产应该是全产权的房产，已经在其它银行抵押过的房产无法再次办理抵押申请。

撕心裂肺 07-20 04:27

装修申请贷款需要的资料有
1.有效的身份证明
2.房产证，用于抵押用
3.出具职业和个人收入证明，以证明自己有能力偿还本息。

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