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["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/903138" } [12] => array(11) { ["tagname"] => string(24) "平安贷款申请流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(878014) ["id"] => string(6) "878014" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940545413132) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/878014" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/878014" } [13] => array(11) { ["tagname"] => string(33) "一下房子装修流程是什么" ["inlink"] => int(0) ["addtime"] => string(10) "1601458616" ["tagid"] => int(2398509) ["id"] => string(7) "2398509" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503993327583233) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/2398509" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/2398509" } [14] => array(11) { ["tagname"] => string(24) "求助一下装修方案" ["inlink"] => int(0) ["addtime"] 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求助一下装修房子贷款申请流程是怎么样？

求助一下装修房子贷款申请流程是怎么样？

浏览：38次 | 提问时间： 07-21 09:49

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3个答案

无意中 07-21 09:49

买房是人生中的一件大事，装修房子同样也是很重要，没有装修好的话会给我今后生活带来很多的一便，装修房子的流程一般装修过一次的朋友就清楚了，对于没有做过的还是有些头痛的，因为涉及到的范围和人员还是较多的，所以学习很重要。那么新房子装修流程是怎么样的？
1.准备阶段在装修的准备阶段就是要了解装修行情，特备是找谁来装修很重要，可以通过朋友介绍，特备是刚刚装修过的朋友，看看他们家里的装修质量和效果，一眼就可以看出那些人的水平。也可以请有水平的专业团队，装修公司，千万不要找地摊上的散兵游勇来做，不放心的。
2.装修过程在装修房子的时候最好是自己经常的到现场看看，一方面可以和师傅们沟通，另一方面也是监督，特别是材料的使用量，做工的效果和质量。在做装修的时候要想节约装修时间可以将各个工种协调起来做，就是说你不可以在一个工种做完之后才叫另一个工种来做，很多时间段是可以同时进行的。但是有几个时间段是不可以的。比如开始水电工打地沟铺设管线的时候其它工种不可以开工。在最后刷油的时候其它工种不可以来做，因为会影响到油漆面
3.收尾工作在装修房子的流程收尾的时候，要注意检查各个地方的质量怎么样，特别看看门是不是都装的很顺手，看看全部的电路，水路都没有问题，看看电话线、网线、管道煤气都没有问题。接下来就是做清洁工作，将全部垃圾打扫干净，然后用清水清洗地板，这样搞好了将房子放置两个月才来住。关于新房子装修流程相关知识就介绍到这，以上详细的介绍了它的一些流程，这里友情提示一下建议你选择正规的装修公司为您服务，如选择非正规的装修公司，装修质量和售后服务可能无法得到保障，还可能带来财产损失，请谨慎辨别！

Lfetruth 07-21 09:58

流程如下：
1、借款申请人向银行提出借款申请时需填写《个人住房装饰借款申请书》。同时向银行交验有关证明和资料；
2、银行对借款人交验的有关证明和资料的真实性、合法性及资信程度审查认可后，承诺贷款。借款申请人据此与装饰公司或装饰产品销售商签订装饰工程合同或装饰产品订货合同，并将合同正本提交银行。
3、借贷双方签订《个人住房装饰借款合同》和相应的担保合同。以住房作抵押的借款人应办理《个人住房抵押合同》的公证，抵押住房保险和房地产抵押登记手续。
4、本行办妥借款担保手续或收押《房地产其他权利证明》后办理放款手续；
5、银行受借款人委托，按借款合同约定的时间，以支付装饰用款名义将贷款资金以转账方式划至装潢公司或销售装饰产品单位在银行开立账户。条件如下：
1、具有本市城镇常住户口或有效居留身份；
2、具有稳定的职业和经济收入，信用良好，有偿还贷款本息的能力；
3、具有购买住房行为或拥有自有住房；
4、持有装饰工程或购买装饰产品合同；
5、有银行认可的作为抵(质)押的资产，或有具备足够代偿能力的单位或个人作为承担连带责任的保证人；
6、愿意接受银行提出的其他合理要求。

人走茶凉 07-21 10:06

也是近期有了解下关于怎么办理装修贷款的相关程序，现在分享给看看。装修贷款也称家装贷款，指银行或者消费金融公司推出的，以家庭住房装修为目的个人信用贷款。申请条件：
1.具有当地常住户口及合法有效的身份证明；
2.有正当职业和稳定收入，具备到期偿还贷款本息的能力。
3.借款人能提供有关资产证明、银行对帐单、税单证明等
4.对新购住宅装修的应提供房屋买卖契约、购房发票等资料（或原有住宅再次装修的应提供房屋所有权证明材料）；
5.合作机构所规定的其它条件。
如何办理呢？
1.办理渠道：借款人通过银行开办个人住房装修贷款业务的分支机构申请办理个人装修贷款业务。
2.办理流程：①借款人申请办理住房装修贷款，须到开办该项业务的营业网点提出申请，填写申请表，提交相关资料、办理有关担保手续；
②客户经理调查、审核同意后，报经有权审批部门审批同意后，签订借款合同；
③客户经理办理放款手续，将款项转入借款人在行个人结算账户上，客户即可使用贷款资金；
④借款人到营业柜台还款，或在存款账户或银行卡上留足还款金额，委托贷款银行代扣还款；
⑤贷款结清后，银行与客户解除债权债务关系，办理有关手续。

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