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云南装修贷款怎样算利息？有人知道怎么办理啊

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云南装修贷款怎样算利息？有人知道怎么办理啊

浏览：38次 | 提问时间： 07-21 11:41
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6个答案
心软必成患 07-21 11:42

从现在市场上的利率情况来看，房贷的利率相对是低的。而装修贷款，无论是抵押贷款还是信用贷款，利率都有一定上浮，基本高于房贷。在这样的情况下，建议你贷款买房，留钱装修。另外，假如非要贷款装修，也要看清楚利率的计算方式，贷款之前，先算一下总利息，由于说不定看上去总利率较低的贷款，实际利息却更高。1.3年利息15%看着挺便宜少算一笔账实际高于18%。
2.按揭的房屋不能抵押贷款信用贷款利率要上浮30%。
3.信用贷款前要先算利息低利率未必真的低。无论是哪一种贷款，一定都得在申请之前搞清楚收费方式，到底是收取管理费还是收取利息，或是收取利息的同时也收取管理费。贷款人可以在申请之前先通过计算器算出每月需还款的金额和总利息，依照自身需求，找到适合自己的贷款方式。千万不能看到利率比较低就想当然地觉得这种方式比较省钱。

用我一切来爱你 07-21 11:50

买房和装修是许多人重点需要考量的两件大事，不过钱终究有限，可能买了房就没有足够的钱装修，到时候说不定需要贷款。不过，从现在市场上的利率情况来看，房贷的利率相对是最低的。而装修贷款，无论是抵押贷款还是信用贷款，利率都有一定上浮，基本高于房贷。在这样的情况下，建议市民贷款买房，留钱装修。另外，假如非要贷款装修，也要看清楚利率的计算方式，贷款之前，先算一下总利息，由于说不定看上去总利率较低的贷款，实际利息却更高。

爱他毁我眼真瞎 07-21 11:59

不同银行利息也是不一样的，工商银行贷款装修是一年利息

滚开别挡路 07-21 12:07

贷款本金(即贷款额)*4.85%*1。一年至五年利息

伴君生 07-21 12:15

贷款本金(即贷款额)*5.25%*贷款年限。贷款五年以上利息

红纱帐 07-21 12:23

贷款本金(即贷款额)*5.4%*贷款年限。

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